No, I agree. But that is the reality for a lot of girls and one of the reasons they get into the industry. Whether it's escorting, part-time porno shoots, etc. That and the fact that just getting a stable job with decent benefits can be difficult, especially when you have to interview with a discriminating employer.
I don't have any pragmatic tips for you other than perhaps getting a second job and cutting your spending to the bone. I am struggling to pay all my bills and save for retirement on my single income. There's really nothing leftover for discretionary stuff. I probably need a second job, as I'm looking at running my thermostat at 42 this winter to save money. That or a roommate.
Towards the surgery though, you might explore overseas options. Traveling abroad can save a good bit of money, even after you factor in the price of travel.
If your job has an HSA that accompanies a high deductible insurance plan, you might look into that. I don't know if gender surgery would be an excluded expense though. There you get the benefit of a tax-free contribution, tax-deferred growth, and a tax-free withdrawal assuming it's used for a qualifying medical expense.
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