Some random thoughts from my decaying brain.
I've been remarkably lucky for a moderately talented old trans broad. Thanks to my parents foresight in building their house in a working class neighborhood that became a trendy neighborhood I was able to sell the family home for a bundle. Enough to leave me comfortable in my old age.
I've been lucky in my transition to. My therapist was willing to write me any letter I needed as soon as our first session was over. While I had to delay HRT due to financial problems I again lucked out when the Jeffery Goodman clinic at the L.A. Gay Center added a trans health program. The clinic operated on a informed consent model with payment based on ability to pay. Thanks to them I've been on HRT for nearly two and a half years.