You mention that you cannot move out because you have phallo scheduled a few months (less than a year!) away. If THAT is the reason you can't afford to move, then the best thing you could possibly do is wait it out and then move once you're healed from surgery.
Yes it will be expensive, you may be poor as all get out. You could end up in a group home temporarily, but you know what? You won't stay that way. And once you're happy with yourself and away from the fools and maniacs making your life a living heck, you will be GLAD you pushed through.
Phalloplasty is still just a dream to me. To be honest, it's not even on my mind because I can't imagine being able to EVER afford it. I had top surgery a few days ago and am getting metoidioplasty/urethral lengthening next year. You've already got a good thing going and clearly either make decent money, found an amazing deal, or are GREAT at saving. If it's the first or third, that will get you a LONG way in life. If it's the second, you still got a good hand there, brother.
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As for your appearance and looking young, that is very normal for some guys. My cisgender male father still gets carded for alcohol, and I am old enough to drink now! People assume we are the same age though he's 20 years older than myself. When it comes to looking young, don't let that get you down.
Sometimes people think my fiance is my dad and I'm his son, because I honestly sometimes look to be about 12 or 14, but people don't date someone just because they look OLDER, in fact, the better you age the MORE people are going to want to date you. It may not seem that way, and being shy you are probably a little socially awkward like me so you can be missing positive signals and catching only the bad ones.
Please, just don't throw your life away. You're reaching further than many of us ever can, and there will be a way out. If you can't handle living with your family there are other options. Not good options, maybe not even ones you would accept, but they're out there. Sounds to me though like if you can tough it through a few more months with those human beasties then you will be well set to enjoy your brand new life, even if there is a rocky start to it.
Good luck, Sir.