Most of the stories I have heard over the years involve someone working their behind off and saving every table scrap. If anything, it seems there is a huge lack of funding. If there are some percentage of upper middle class transsexuals that are having a smooth, easy transition, I have not witnessed it. It's more likely that person that you thought had the money, refinanced their house or took out a second mortgage to pay for surgery.
But even having said all of that, paying for it is such a small part, as far as what makes transition go smooth, I just can't accept the premise of the thread. And that is from a person who's major hold up is financing. Being disabled on a fixed income means I have to come up with a strategy, and I have. But even if I had the money right this second, I don't see how that would have made transition easier.
Love always,
Elizabeth