Hi Stephanie,
First off, from your picture you are very pretty, and have a lovely shape. That is a huge benefit.
Second, Voice is a problem for a lot of us, but there are some on line trainings that help me a lot. I do a lot of singing in my upper range, and pay attention to inflection and cadence. (Work on centering your voice on A below Middle C)
Third, There are lots of girls who still have a lot of facial hair and manage. It takes a long time to remedy that issue, and it can be spendy. I supplement the pros with a home electrolysis kit, and try to do about half of the work myself. (takes longer, and you have to be careful not to hurt yourself)
Fourth, HRT is essential eventually, but it is better to be able to stay on the medications consistently rather than having your hormone levels bounce around and becoming too crazy.
Fifth, Androgyny in the workplace is not to be scoffed at. I'm lucky and get to transition in place and to continue to live indoors. Not so with a lot of my sisters and brothers. You are not copping out if you blend genders to make a living. The trick is to have a plan so that dysphoria doesn't drive you into a grave. We can put up with a lot if there is hope, without hope there is only darkness. I can attest to that personally.
Sixth, Transitioning is easily the most challenging thing I have ever done. It is often lonely, often uncomfortable, and always includes a lot of psychic risk. If you're broke, you probably aren't getting the counseling you really ought to have to keep it together. I have the resources, and sometimes I'm still on the edge. If you do this, or don't do this, for your partner and not because you must for yourself, please think hard about it. Becoming your authentic self is one thing, becoming another's idea of feminine is quite another. People hurt themselves, and some die even under the best of circumstances. Please be careful and kind to yourself and to your soul.
Seventh, You are in a safe and caring place. I have never know better people than I have found here. There is strength, wisdom, love, and laughter to be had for fun and for free. I wish you nothing but joy in this adventure, and hope you find your path safely. There is no fixed and correct time line. I've been on HRT for 21 months and am only going full time now, and even that seems too fast some times.
Luck and Hugs,
Julie