Trans Advice

So I have posted here a few times expressing my worries/concerns with the whole transitioning process. I'm 23 (bio male) and hope to start the transitioning process too. I still have worries (mainly with money/family right now), but I have been browsing the mtf timelines on reddit and it's been super encouraging overall. I see people changing so much with just HRT and it's beautiful how you see more smiles the further into the timeline you get.

I know for a fact that I want to be happy, and this is a step I need to take. If it turns out that I see a therapist and they recommend I don't go through with it, then that answers that (although I'm 90% sure that I will end up going through with it all). I was just hoping to find some advice/tips if anyone has any. I know I need to see someone first and foremost, but I was wondering if anyone had a timeline or steps or anything for it all (like when I should be doing what).

I also plan on living fully as a guy until probably a year or so in (with the occasional living as a girl in private) mainly to keep my extended family happy and to prevent confusion at work. When I deem myself passable, I will likely move to another state (or possibly country) and live full time as a female there. I just don't know where to begin or how to really start the whole thing. I also will need electrolysis I'm sure, and I didn't know if there were any things people did to improve their results on HRT (probably a far shot but who knows).

As a side question, how does changing your name/gender work? Do you need to have had bottom surgery first or do you apply for it through your therapist? Oh, and how much should I be saving up for all of this? Would be helpful to know a general idea of how much a therapist and HRT costs. I don't have much money to spend, so it will probably be pretty tight for a while. Anyway thanks!