I have some thoughts on this that may not sit well with some others here. I gave a similar opinion on another website forum months ago and I got hammered (well, that may be a bit strong, but I digress...). I am the typical "I knew I should have been born a girl since I was 5" person who kept it hidden in spite of having a girly shape and personality growing up. I managed to have a career of sorts, get married (no kids), divorced, etc. Yes, the desire to transition never went away (it got stronger, as everyone knows it will). However there was/is simply no way I could go all the way to full, coming-out transition. Simply no way. The reasons are too numerous to detail here. So I am transitioning totally in the closet and I live as a female only while home. HRT has worked wonders on my body and I am having a terrible time hiding the changes now at 43. But so far, I have done okay. I love my feminine life at home. But seriously I may not be able to hide much longer. My breasts are noticeable in any shirt I wear now. My body is more female shaped now than ever is is getting more so every day. I really hope my breasts stop growing soon, but I am in a growth spurt right now, so there's that...
If I were to give advice to someone in your position in life, it would be quite "simple." If you have a stable good paying job, maybe you shouldn't rock the boat in an obvious way right now. Work hard, save as much cash as you can, invest well and hang onto it. Save! Save! Save! Because of the world political situation and the economic instability worldwide, we are way overdue for a "reset." The next bubble (I have been told numerous times) will burst and will explode much bigger than 2008. In the next few years things are going to change in a big way (I know a few semi-experts on the subject – yes, they could be wrong. I hope they are). Those who have money saved up will do much, much better than those without (yes, I know that is true in any economy. But I think today's situation is much more dire). Knowing what I know now and if I were your age with a good job, that is what I would try to do. Good-paying jobs will get harder and harder to find and keep. I know too, that we can't all live with constant "what ifs" in everything we do.
Luckily for me, I don't live a lifestyle that would ever require me to remove my shirt such as swimming at a pool with friends. I am shaved over all my body and my breasts are way too big after 15 months HRT. I assume at your age and the fact that you are athletic means you will sometimes need to go shirtless. You may want to get married, have kids, etc. Living privately as a female like I do is out of the question, I am sure(?).
I have known a lot of people over the years who have had to deal with lifelong hardships that are much more difficult than dealing with transition questions as we do. I have known people who have become blind, paralyzed, lost a limb, cancers, etc. then have to deal with these hardships for many years. Maybe this kind of discussion/opinion is not proper here. Apologies. Depressing, certainly.
Summarizing for me, my body (and my brain) has always wanted to be female. Always. My body was already mostly feminine but HRT has added so much. I cannot go back now. But, again, I am AMAB during the day and so far I have managed. I love my "secret" life and it's how I live it. It's not for everyone who really wants to transition. Anyway, I wrote all this very quickly (short on time) and probably didn't explain some things very well. Apologies again....