I would love to have kids someday but since I'm going to start HRT soon I'll be Infertile. I could have my sperm cryogenically frozen but I'm not sure if I can afford that. I guess I could adopt but then I won't be able to pass on my genes. Do I just give up my ability to have children?

If you want to have kids genetically related to you, freezing sperm is the only option.

If that is not a factor, then adoption is a good option.. Things like transplanting a womb and uterus into a trans woman is still little sci-fi today... who knows in 10 to 20 years from now... then again, the kid will still not be genetically related to you, unless you get a donor egg that is implanted with your sperm (then again you must freeze them before HRT)