Evolving Beauty, you do have an enormous amount of courage and spirit. That is the way I was, when I transitioned over 40 years ago. I had to be very tough and very cunning. I made it. I've had three husbands and this last one is sticking.
The main reason for my comment is the positivism of your approach to life's problems. Money is a huge problem, but life just happens. With a positive, no-fail approach to life, we are a lot more likely to manifest the realities we seek. We build our own Universe from the dreams we hold dearest. If we're negative, if we just don't care, then we are lost. It's faith in your self and in the rightness of your desires.
Listen to no one except the voice inside that keeps you alive. Living is such a gift. And loving is the reward.