I'm not 40 yet, but I started T a month before my 38th birthday and I am now 16 weeks on T, and top surgery is only a little over 5 weeks away! It's definitely feels good to know that there are more 'mature' FTM just starting out. The word 'older' just sound so 'old' lol. After reading many of your comments, I want to share my story because we have so much in common one way or another.
I'm one of those who knew I was 'different' at a very young age. I thought maybe I'm a lesbian and came out of the closet when I turned 20. I've always been very masculine/butchy and many of my close friends would call me "bro" or "dude". Although I knew back then how I feel about my body and how much I wish I could change, reality is that I couldn't afford T and surgery. Plus, how can I steal the only daughter from my parents? So, I put the thoughts of transitioning to the back burner and not think about it for 17 years. Until last year, I had a health scare and had a hysterectomy (non-transition related) and I began to think: 'what if?', 'I can't live a lie anymore', 'I don't want to die as female'.
So I had a very long talk with my gf of 11 years about transitioning, she wasn't shock because she knew all along how I feel about my body, but she did feel somewhat betrayal, kind of like she didn't sign up for this. Lucky for me that she loves me enough to give me a try, after all, she was attracted to my masculinity at the beginning.
Also came out to my parents before starting T, even thought my mom didn't take it as well as my dad, they did not dis-owned me. In fact, they were correcting themselves last week when they caught themselves mis-gendered me. My brother called me bro the first time which also feels pretty awesome!
When I decided to go through transition, there were 3 things in my life that I worry the most: my relationship, my family, and my friends. My gf has been supportive since I start seeing my therapist, she also loving all the physical changes that T has brought on to my body. My parents still treats me the same as before, and putting in the effort on the pronouns. Most of my friends are supportive, trying to be myself and enjoy my life is difficult enough, I don't need any transphobic in my life.
I'm very lucky to be living in Canada. My doctors appointments, bloodworks for T levels, and most of all surgery are cover under healthcare (well, as long as you are willing to wait)!
Just want to say, things will get better as the transition go. Don't live a lie because you don't want to hurt other's feelings, because in the end, you are the one who's living your life!
Jack