Hi Charlie,
I have put my transition on hold due to financial worries. I did take about 2 year of low dose testosterone. I have a budding mustache, voice lowered a bit, and my face thinned out... but i'm presenting female. Only my family and close friends know the truth. The worry is my husband might loose his job on which we are both dependent.
It took many years to convince my husband that this was real, and important. We are both stubborn mules! But he now knows that it's important. He is addressing me as his partner, not his wife. He cares about what i like in bed.
When i eventually come out, we will be perceived as a gay couple. But we are actually bis.