If you're FtM, born2 (and I think, from a previous post, you are), then surgery is not totally necessary to help you feel good about yourself. I mean, it helps, but testosterone works some miracles in that direction. After a fairly short time on T most people will pass as male even with having to bind breasts. I actually had a hard time at the bank one day when I still had breasts and wasn't even binding them; they wouldn't believe that I was the person on my (female) ID because my face and voice had changed so much.
That can help you get through the time until you can afford surgery. Your first step should probably be to see a therapist to see if you do have a GID diagnosis, then see about getting prescribed testosterone. Some guys who can afford it get chest surgery first, but many do not. I had my chest surgery about 6 months into testosterone, so was looking male before I had the surgery. I hated binding too, so it did some major messing with people's minds for a while when I wouldn't bother binding.
Dennis