If you don't mind me asking, are you waiting for yourself or outside reasons (ex parents)?
As for myself, I try to take little steps as often as possible, like changing the way I dress, referring to myself as a guy in my thoughts (till now I was sort of genderless in my mind), telling friends I'm trans, asking family/friends to refer to me as a guy, thinking of guy names for myself, coming to this site, looking up legal/insurance info about trans, preparing docs for my gender therapist (it takes a few sessions over a few months to get T where I live). Just feeling like I'm moving towards my goal makes me feel a hundred times better than thinking about me not reaching my goal right now(!).
Guys here mentioned saving for top surgery, I think that's a fantastic suggestion! You don't want money to stop you when you're ready to take action.