Hi Brenda, welcome to Susans! I know it's a tough gig being transgender. All the things your worrying about are not new to most of us, there exactly the same things we've all worried about, or still worry about. I think you'll know when the time is right for you. I mean, there are logical things to consider, such as is my health in a good place for transition, am I emotionally ready, can I afford to lose some pretty major things in my life?
It shouldn't be taken lightly and I would suggest the best thing you could do is speak with. Gender Therapist or Psychologist who is experienced in this area.
Transition is not easy, nor is the decision to transition. Build up your support tools, a therapist is a great one. Your health and psychological state is also another. Being in the best shape you can will help you to deal with all the challenges ahead.
And regarding your wife, I don't have an easy answer at all for this. What will be, will be. Communication is key, in the end, she may feel she didn't sign up for this, and call it a day. She may also say, thankyou. I knew something was wrong. It's not easy at all, but when you decide on a path, it is very rewarding.
Good luck and you'll find a heap of valuable resources and great people here at Susans.
Hugs,
Bree