I had, and have, a lot to lose. Wife, adult children, and a career as a self employed attorney. I attempted transition three prior times in my life, and each time found a compelling reason not to (money and support when I was 20, career when I was 26, and family when I was 35).
Now here I am at 53. I suffered massive panic attacks for the past 10 years while living in denial, and tried everything I could think of to stop them, until they got so bad that I started being afraid to leave the house and drive to work.
Then I knew I had to do something or I was going to lose my career anyway. So here I am now on hormones. Maybe it is just a placebo effect (I started on them yesterday) but I am able to think more clearly and work more effectively than I have been in a long, long time. Maybe forever, because I no longer have the dysphoria distracting me.
If you want a reason to do it now, be advised: If you do not transition, and keep this part of yourself a secret, you will have to lie to people you love about your feelings, and you will have to handle the dysphoria alone, since you cannot tell anyone about it.
Living your truth is better.