I think I finally have a plan. I'm saving for SRS, not in U.S. dollars but in silver (and gold). My goal is to save 1,000 ounces of silver. Maybe it is a psychological thing but 1,000 ounces of silver sounds more realistic than USD $25,000 or Thai Bhat $500,000. Silver does fluctuate but it provides more security against inflation than any paper currency does. If it drops to $10/ounce, I'd still have $10,000 at the time which may not be enough for SRS but I could just keep buying more and more at that low rate. Now it is at $35/ounce. Suppose suddenly it went up I could suddenly meet the SRS dollar figure needed. I don't have anywhere near the goal of 1,000 ounces, but I'm starting to buy silver each time I get my paycheck. Even an ounce a week could add up. I don't want to save in U.S. dollars because of inflation. It literally makes no sense. By the time I would save $20,000 USD costs would go up, the surgeons would raise their rates, and I'd play an endless catch-up game.
I may go with Suporn but have considered Meltzer because he is local. People considering Suporn may actually want to save in Thai bhats for that matter since that is what it is priced in. These currency conversions can literally either make or break you.
As much as I don't want to wait for SRS, here is my other plan: currently I'm spending a good deal on therapist visits and hair removal treatments. I've had four laser treatments on my full face, one on just the mouth/chin area, and have my first electrolysis session May 9th for the sides and neck. In just 6 months, the hair on my face has significantly thinned out. My therapist is already saying I'm doing "very well" in my new gender role. After I obtain my "one year" letter and recommendation for SRS, she may not need to see me near as regularly or even at all. I may not need so many laser or electrolysis treatments at that time either. All the money I'm spending on those two things I wouldn't have to spend anymore and could then start putting it toward SRS. It sucks but I'm hoping these two plans work. I do not want to keep taking anti-androgens forever.
Yes, I know I'm lucky as some have said as I'm younger than some others here. By me starting early, it has made FFS unnecessary whereas it is often crucial for people who start older. Sadly, if society was more open and accepting (both now and before) more people would have transitioned younger and saved so much money and headache.