I would go back and start the process when I was 19 and had a smaller head, full scalp hair, higher voice, narrower waist, no facial hair... that is, before the T wreaked its havoc, yet after I was old enough to make my own decisions legally. Even going back to when I was 24 or so to initiate the process, could have saved my hair. That was when I found out that my sister dumped her fiancé for being transgendered, which presented me with an opportunity to open up about myself that I failed to acknowledge at the time. That is my biggest regret, that I waited so long that I can never have beautiful hair or a feminine body shape. I would have convinced myself that hormone levels really do matter, and that it is impossible to be effeminate with a high T:E ratio. I would have realized that my life savings of $1100 WERE enough to get me started on HRT, especially while floating on my family's insurance plan. I would have stopped worrying so much about my family disowning me, because even if they threw me on the street (unlikely) or gave me steroids (conceivable), it still would have been better than living in the wrong body. I would have overcome my fear of shopping and amassed more feminine clothing and skin care items, alas I have still been unable to do that. But above all else, I would give up everything I own to have my hair back.