Hi Mary!
One thing you should do, is to start mapping out a timeline with the things that need to be done. The other thing to do, unless you have saved a lot of money, is to start checking on the insurance stuff. I got my FFS paid for by insurance. I got my orchi paid for through insurance. They are paying for laser (to remove black hairs) and electrolysis (to remove lighter colored hairs). They are paying for some hair transplant work and some of the body shaping work. They are paying for HRT, doctor visits and my psych. I am pre-approved for SRS and they are paying. However, it took me two years of weekly work to get them to do that. It was a massive amount of time. Between myself and my company, it is $12,000/year insurance so it is a good policy. But, well worth it.
So, I'm doing laser for the black hairs. It's so much faster and it is cheaper. And, after a few sessions, it is just as permanent. However, I have some light brown hairs, some reddish blond ones and some grey ones (I started turning grey in the sixth grade...). The electro works so much better on those. The technician just skips the black ones. Doing it that was mandated by my insurance company as it was cheaper. It works.
True femininity...I look at it as me being me. It's a journey and a discovery. I never really liked clothes. I could look good in top notch suit and good shoes, silk tie etc. But it was work and it wasn't fun. I hated shopping. Now, I care how I look, I shop because it's fun to find good things cheap and play with them. I never thought I'd have so much fun doing that. I wear makeup, not much, but just enough to make me look the way I want to look. Every morning, when I put it on, it is also a time to just think about life, about me and really everything. But just a quiet time for me. Never did any of that either.
I'm the same but very different. It took my wife a long while to adjust. It was a LONG, HARD and sometimes UGLY process. But that worked as well.
Hugs,
Jen