I find dealing with bitterness and anger at being trans is a very difficult thing to do.
I get highly envious of cis-people (regardless of their gender), because they don't have to go through all the $h1t that we have to.
And I'm 13 years post-op!!
I look at all the money and time I've had to spend on this, then I look at my brother, sitting pretty in his big house with his great family and no debt, and I think (rightly or wrongly) that I'd be in a similar position as him if I hadn't been born trans.
I just have to try and push the bitterness aside, otherwise I know it will consume me and ruin my life.
Actually my 30th birthday was my transition deadline too, and it was the year I had my SRS.
I totally understand your feelings of having a wasted childhood, I look at young girls having fun and always turn away with sadness in my eyes.
Being trans is tough.
But as Dena says, the SRS is just one small part, transitioning is much more than that. My life as a female was already pretty sorted before my op. In the grand scheme of things, that was actually not such a big step as I had imagined it to be.
If you really want it, you'll get there, and it will be worth it in the end.
I'll always wish I had been cis though.