Unless you have excellent, inclusive health insurance gender transition can get very expensive. Costs add up quickly: therapist fees, new clothes and gender affirming products (packers, breast forms, etc.), name and ID change fees, pre-HRT lab work, HRT, and expenses associated with surgery and recovery.
If you have insurance, review the fine print of your policy and look for exclusions and limitations related to gender reassignment. Next, call your insurance company and ask about surgeons in-network, out-of-network benefits, and deductibles.
Also, take note that U.S. Medicare and some state Medicaid plans are covering medical expenses related to transitioning.
Coming up with strategies for saving money is important because unfortunately the time it takes to transition is often determined by finances. Research your potential transition expenses and devise a savings plan.