I'm in the same boat.
What I discovered is that building an entire winter/spring/summer/fall wardrobe with exercise clothing, evening gowns, business casual, business smart, etc takes a lot of money, you basically have to buy in one year what you would typically buy over the span of 5-7 years so that's a big money sink.
On top of this you need to add nail-polish, make-up, hair care products, haircuts, hormones, blockers, etc.
Then there is laser and soon I'll need a bit of electro to wrap it up.
Even without any surgical work I easily spent 20K last year, this year will be a bit easier but my wardrobe still has big holes in it.
Hopefully I'll be able to save some money this year.