How to pay for gender transition

You can spend no money on transition. Just start being yourself.

You can also spend hundreds of thousands of dollars on transition.

Most of us are somewhere in between. 

A great money expert named Barbara O’Neill said, “If you don’t know where you’re going, any road will get you there.”

Now, let’s find out where you’re going.

This section is written for adults. I also have a section on money for young people.

Note: The PDF version is not available at this time. The information was out of date.

What you will need

A spreadsheet option

• The program Microsoft Excel.
• The free online program Google Sheets.
• The free download OpenOffice which includes a program called Base.
• A free mobile budgeting app like Mint or spreadsheet app like iSpreadsheet or Zoho Sheet.
• You can always just use paper, too.

A way to make notes when not home

• Many people use their budgeting or spreadsheet app.
• Some people prefer a paper ledger book. Any size notebook will work.

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About excuses

I hate excuses. We use excuses to justify failure. This is the worst excuse I hear from people trying to save money for a gender transition:

“By the time I pay for everything else, I have no money left to save.”

This person means that money for transition is last on their list. There is only one way to fix that:

Change your list.

You will have to change how you think about money and how you use it. This also works for any other thing you want to own or do. So, no excuses from now on. Only plans and action!

Please do the steps in the order below.

Contents

• Your values
• Your dreams
• Your assets
• Your liabilities
• Your monthly expenses
• Your monthly income
• Your needs, costs, and schedule
• Hidden costs and savings
• Common pitfalls
• Saving and investing
• Loans and credit
• Bankruptcy as a last resort
• Your four options:
  • Modify your income
  • Modify your spending
  • Modify your timetable
  • Modify your dreams
• Planning your timetable
• My own costs and goals
• Your spending plan
• You can do it!
• Resources

Disclaimer: This is financial talk, not financial advice. Some of this may not apply to you. It is presented without warranty. It may contain errors or omissions. You must do your own research.