The way I understand it, Robert Eads wasn't getting himself checked out on a regular basis. I don't want to argue about what he should or could have done, but by the time he sought medical attention, he was, well, in the emergency room. If at all possible, get regular checkups and start saving now, any amount you can. I know not everyone can--and I'm not assuming that you can--but a lot of people do have a few little luxuries like smoking or Starbucks that we can give up.
There's a trans surgery scholarship...I can never remember the name. You might do some Google searches or hunt through Susan's. Anyone remember what it's called? I have to admit that it's a long shot; lots of people apply for that. However, there might be other scholarships that I haven't heard about. In addition, some trans-related businesses will sponsor you and contribute to your surgery fund--TranZwear used to do this, but I don't know if they still do.
Also, unless you're stealth, maybe you can start doing a little activism with your company and ask it to cover such surgeries. Other people have done it, and more and more companies are covering trans-related surgeries. I don't know the first thing about this path, and it's probably a long shot and a serious pain in the ass to try to do, but some trans sites might have more info on how to lobby.
You talk about trying to get your life together. You might not be in a position to do any of these things right now. But I hope someone here can give you good ideas.