Hi Tiph!
Let me start by saying, how you look shouldn't discourage you, no matter what anyone tells you. Women come in all shapes, and sizes. I'm also 24, and just begining my transition. I Don't think there's a such thing as "too early", or "too late". Some people transition even younger than you, and I. Vise versa, some people transition older than you, or I. Ultimately you have to decide when the time is right for you, and if transitioning is right for you. Rarely is it easy, and there're always people who are going to judge you, but that's true of life no matter what. You just have to figure out what makes you happy, and go with it. Hope this is helpful, best of luck!
Hugs,
Maddy