Since I sort of got this tangent started, consider the pros and cons of transitioning early vs late anways...
For the, well really handful of young ones that are full time in grade school, I think I stated this somewhere earlier that their incongruence is so catastropic, they have no other choice if they don't intend to implode. Sounds like nirvana, right? Consider that they often aren't stealth since they didn't start grade school that way. Its bad enough being known as "a girl with a dick" when you're an adult, imagine hearing that when you're 10. Consider that most of them were so blatently suicidal and/or self mutilating before going FT that their parents were on a constant state of readiness to keep all the windows locked (becuase they'd explicitly threatened to jump out of the windows otherwise) and all sharp objects accounted for. Imagine a panic attack so bad you turn blue. Consider the threats not only they but their families get on a regular basis. Have siblings? Do you think they might just resent that you've more or less taken any sense of a "normal" childhood from them, do you think maybe they get threatened too and lose friends because of it? If you're lucky you're only meeting with your therapist twice a week, you and your family. Don't think this is just about you.
Now on the other hand, they get to at least have childhood memories of growing up in the right gender, and as appealing as it may be, I wonder if its worth the trauma sometimes.
So wait until you're in your teens/early 20s to transistion. I tried that (I was 23), even with a good job, its easy to burn through a lot of money, quickly. Its not fun being broke and it not fun aborting your transition either, but money is a finite resource and its easy to ruin yourself financially if you don't have much of a safety cushion to begin with. I'm getting away from myself, but its hard enough to mature from a teenager to an adult, let alone transition from one gender to the next. True, many early transitioners succeed, but many also fail and pay the direst of consequences.
Wait until the early beginnings of your adulthood (25 - 35)? Maybe a better idea, but you've got a whole working life ahead of you and very little of it behind you. How will you explain yourself to your future employers, your future significant others. The lack of assets is still a struggle, but at least, hopefully, you're educated and able to keep a roof over your head. Maybe its better that way. I don't know, just don't believe everything you hear that you have to transition before your 25 or you'll just be another man in a dress. Oh and my favorite, here begins the argument between the younger ones and the older ones about who's really a TS, which is just to say "I'm more TS then you". Who's side are you on? You're too old for the college crowd and too young for the older crowd?
So you've lived a full life and you're tired of the constant struggle, but confident you have the financial resources to "make it work". How about the loss of your relationships? Divorce is expensive, so is losing that job that you were sure would be accepting of your transition. Oh they didn't fire you for being TS, just so happens that after you started wearing a dress to work, your performance evaluations tanked as well. Good luck finding a new job with a 20+ year career history as John, not Jane, to explain.
Ok so I'm overdramatizing a little, but there are pros and cons to the transition at each stage of life. Its universal that we all struggle, but we are our own worst enemies. And no matter what, even the 10 y/o's that are full time are going to look at the generation after them (that get treated no differently then anyother boy or girl) and think "they don't know how easy they've got it", just remember that the generation that came before you thinks the same thing about you.
