I think we all understand where you're coming from.
One thing you can never do is give up hope. In my own case I started living as a male at 17 and then was able to get my name changed around my 20th birthday. After that I was at a standstill for about a decade. First I couldn't afford therapy. I finally got therapy and my letter in 2009. Then I still couldn't start T because of kidney cancer, got that under control. Then I started having horrible pains 'down there'. They found a tumor and endometriosis. Doctors said no testosterone until it was taken care of. Took until December of 2012 to get approved for a complete hysto. Got that done and four days later I finally received my first shot of T. Now I'm having my top surgery consult and planning on surgery in July if everything goes smooth. If not, top surgery is still coming just a little later. Either way it is progress.
I don't think my struggles are any more valid than what anyone else has. We all have barriers to overcome to transition. The only thing is you can never give up. I could have said a long time ago "screw it, it's not going to happen", and I would have been right. It never would have if that was my attitude about it. A huge frustration for me was going online and seeing young guys who came out and then 6 months later they had been on T for months and had their top surgery already. I was happy for them, but it was disheartening. That was the years that I never looked at anything online about transition and avoided other transguys like the plague.
All any of us can do is to keep going. No matter how many times you get told no, or how many times you save that $10 towards surgery instead of eating out it's all progress towards the ultimate goal. You'll get there, just give it time man.