You may want to consider storing sperm prior to hormones, since they can render you permanently sterile in a few months. Face surgery can be expensive, even more than SRS, but it will make much more of a difference in your daily existence than genital work ever will. SRS will do nothing to help you pass on a daily basis. Having a passable face will make a major difference in the quality of your life. In my case, I feel face surgery was easily the most important investment of my entire transition.
Employment is essential.
You must decide early on if you will transition in place or not. I believe the best thing to do is transition at a job, and if you want to move or leave, do so after all your legal and financial records have been changed. You can basically start with a clean slate, and you don't have to deal with all of that as well as moving and interviewing. The key is to maintain enough revenue to cover transition costs, no matter what. I recommend not coming out at work until absolutely necessary.