I don't think personality changes. Some have expressed a quicker to anger but quicker to drop the anger type thing.
Personally, I'm calmer but not just because of the T, but because it feels right. Hard to explain until you have it happen.
I'm not sure what you saved up for. A therapist will most often be covered at least partially under insurance, T is actually is quite affordable if you do injections, surgery I can see needing to save for, but you have a little time yet. What big expense were you expecting?