Jeez at age 15 - 25 I was going through hrt, boyfriends, school, bad habits, and saving up which was difficult because real life happens and bills and dealing with bf's and family issues.
Trust me, if you're lucky enough to get past all that and still have close to $17000 - $25000 between the ages of 15-25, then I'd say you're strong and resist temptation very well or you probably robbed a bank or stole someone's money lol jk. But it is tough to save for srs at that age not to mention all the issues living through transition with family and friends and society and trying to survive.
Life is really tough while in transition. I thought, "oh I'll get a good job, save up money and also look fabulous and date guys and maybe have someone donate to my cause, and also get a degree,then my family will have to support me and if not then I can live with my friends till I get a job for free" ha! I fooled myself and I'm now 31 and I started hrt at age 16 and it's been a long journey. Got my 2 degrees in pharmacy and computer networking and administrative and got a good paying job and started saving and dropped all the dating to focus on myself at the age of 29.
Then I met my fiance who helped me with paying half of my surgery. Now I'm 3 weeks post op and just got home. Not to mention my flight home was very unpleasant due to the new vag still healing and still feeling in pain and couldn't still sit properly and still can't.
One day you'll get it. Just don't rush it. The best you could do now is be on hrt, go to school, graduate, go to college, get a good paying job, and start saving. Leave the love life behind till later unless the guy is donating to your cause and well-being