
The Hidden Financial Side Of Gender Transition
If you're a longtime BuzzFeed reader, you might recognize the handsome face of Ash Perez. Ash was making videos with us back in the golden age of BuzzFeed, alongside folks like Quinta Brunson. Now, after coming out as trans in 2023, he's working on a series with the Try Guys called New Guy Tries, all about exploring his masculinity.
Recently, Ash stopped by Financial Feminist Podcast, hosted by Tori Dunlap, to talk about the costs of his transition. In the episode description, Tori wrote, "This is a great episode if you've ever been curious about the experience of your trans friends and neighbors, especially if you've wondered how to be a better ally to their community."
One part of their conversation is taking off online, where Ash gets into all the costs that have gone into his transition. Here's what he had to say:
First, Ash shared that he enrolled in gender therapy to explore his identity. "I was paying, I think, $350 out of pocket for that, for one session."
He also had top surgery and got his eggs frozen as part of his transition in case he wants to have kids someday. Ash shared that he spends about $20 a month on testosterone.
According to a 2022 study in The Journal of Law, Medicine and Ethics, the cost of gender affirming surgery can range from around $7,000 to $63,000, depending on the procedure. In the US, health insurance plans that get federal funding are required to cover gender affirming care, but how much is covered (and how challenging it is to get) can vary widely depending on each individual's plan and location. Private health insurance plans that don't receive federal funding can opt not to cover this healthcare, despite the fact that the American Medical Association endorses it as essential.
"Then [there's] the cost, again, of taking off work, having someone take care of you," Ash continued. "Finding community, camps. There's amazing resources for trans people, but, like, you pay for those spaces."
Before Trump's executive order requiring documents like passports to reflect gender assigned at birth, Ash also spent $500 updating his documents from female to male.
Then, Ash shared an unexpected cost. "I'm going through fucking puberty again. The amount that I've spent just now on acne care that I thought I was fucking done with is been monstrous."
He also needed a whole new wardrobe as he transitioned. "The first is changing your style. And then on testosterone. I'm literally growing."
Tori chimed in to point out that Ash lives in Los Angeles, and Ash replied, "What if you're in Kentucky? And by the way, if you're trans in Kentucky, you probably don't have the doctors that I have access to, so you're gonna fly for surgery. I would say probably over 50% of trans people have to fly to get the care that they need."
Finally, Ash estimated that he's spent at least $15,000 on his transition so far. He further summed it up by saying his transition has included many costs, some expected, some surprising, and some truly heartbreaking, like the cost of facing discrimination. "It's not just what you're spending. It's what you're not earning."
In the comments, more people shared what they've spent on their transition:
And opened up about some of the hidden costs:
Seeing the costs laid out like this is a peek into the trans experience that we don't often get to see in media, and I'm so glad that Ash opened up about this side of his journey. Understanding the financial impact involved in transitioning really goes to show how much it means to the people who are on this path, because it's such a big commitment to take on.
Can you relate? If you feel comfortable, share what you've spent on gender-affirming care in the comments!
Looking for more LGBTQ+ or Pride content? Then check out all of BuzzFeed's posts celebrating Pride 2025.
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If you're a longtime BuzzFeed reader, you might recognize the handsome face of Ash Perez. Ash was making videos with us back in the golden age of BuzzFeed, alongside folks like Quinta Brunson. Now, after coming out as trans in 2023, he's working on a series with the Try Guys called New Guy Tries, all about exploring his masculinity. Recently, Ash stopped by Financial Feminist Podcast, hosted by Tori Dunlap, to talk about the costs of his transition. In the episode description, Tori wrote, "This is a great episode if you've ever been curious about the experience of your trans friends and neighbors, especially if you've wondered how to be a better ally to their community." One part of their conversation is taking off online, where Ash gets into all the costs that have gone into his transition. Here's what he had to say: First, Ash shared that he enrolled in gender therapy to explore his identity. "I was paying, I think, $350 out of pocket for that, for one session." He also had top surgery and got his eggs frozen as part of his transition in case he wants to have kids someday. Ash shared that he spends about $20 a month on testosterone. According to a 2022 study in The Journal of Law, Medicine and Ethics, the cost of gender affirming surgery can range from around $7,000 to $63,000, depending on the procedure. In the US, health insurance plans that get federal funding are required to cover gender affirming care, but how much is covered (and how challenging it is to get) can vary widely depending on each individual's plan and location. Private health insurance plans that don't receive federal funding can opt not to cover this healthcare, despite the fact that the American Medical Association endorses it as essential. "Then [there's] the cost, again, of taking off work, having someone take care of you," Ash continued. "Finding community, camps. There's amazing resources for trans people, but, like, you pay for those spaces." Before Trump's executive order requiring documents like passports to reflect gender assigned at birth, Ash also spent $500 updating his documents from female to male. Then, Ash shared an unexpected cost. "I'm going through fucking puberty again. The amount that I've spent just now on acne care that I thought I was fucking done with is been monstrous." He also needed a whole new wardrobe as he transitioned. "The first is changing your style. And then on testosterone. I'm literally growing." Tori chimed in to point out that Ash lives in Los Angeles, and Ash replied, "What if you're in Kentucky? And by the way, if you're trans in Kentucky, you probably don't have the doctors that I have access to, so you're gonna fly for surgery. I would say probably over 50% of trans people have to fly to get the care that they need." Finally, Ash estimated that he's spent at least $15,000 on his transition so far. He further summed it up by saying his transition has included many costs, some expected, some surprising, and some truly heartbreaking, like the cost of facing discrimination. "It's not just what you're spending. It's what you're not earning." In the comments, more people shared what they've spent on their transition: And opened up about some of the hidden costs: Seeing the costs laid out like this is a peek into the trans experience that we don't often get to see in media, and I'm so glad that Ash opened up about this side of his journey. Understanding the financial impact involved in transitioning really goes to show how much it means to the people who are on this path, because it's such a big commitment to take on. Can you relate? If you feel comfortable, share what you've spent on gender-affirming care in the comments! Looking for more LGBTQ+ or Pride content? Then check out all of BuzzFeed's posts celebrating Pride 2025.


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I do not paint my nails. Been using twice a day on and under my nails. And in three days, my toenails are already brighter white/clear. Still have some way to go on worst nails, but huge difference already! Impressed." — Amy Carrera "I have been using this electric nail file for about three to four weeks, and it is amazing. I have used this both on my toenails and fingernails, and I cannot believe I had never tried this before! There are so many different file tips to use, and the light on the device is just an added bonus! It charges quickly and does the job so great, and there are many speeds to this device, too! Go buy one quickly!" — Lizette Get it from Amazon for $34.99. 19. An internet-famed Bum Bum Body Cream that boasts a blend of caffeine-packed guarana extract and coconut oil to help *visibly* firm and moisturize skin, so you can step out this season feeling as confident as ever. And it won't hurt that it also smells ah-may-zing with creamy, delectable notes of salted caramel, pistachio, and vanilla! ✨ Caffeine has a number of skincare benefits, including brightening and temporarily reducing the appearance of stretch marks and cellulite, if that's something you're looking to do! You can read more about the skincare benefits of caffeine at the Cleveland Clinic. Promising reviews: "This Bum Bum cream is a winner! You will not be disappointed. It smells wonderfully awesome. :-)" — Dianne Doering "Like so many, I was brainwashed by TikTok into buying this rather expensive I bought one for my mom and one for my sister and five more for myself as they became harder to find. My favorite thing about it is the smell. Lightly tropical/coconutty but nothing overwhelming. Every time I wear it people say, 'What are you WEARING?' like I have some amazing perfume on. Besides that, it really is a great moisturizer. I'm not usually a sucker for marketing but this was so worth it." — Kristen Get it from Amazon for $24+ (available in three sizes). 20. Speaking of Sol de Janeiro — their shimmering body oil with SPF 50 will leave you looking ✨ luminous ✨ in the sunshine while still being protected from UV rays without an ashy-looking white cast. Oh, you're heading out for a patio brunch? Slather your gams, shoulders, neck, chest, and arms with this and head out knowing you look *and* smell good thanks to the brand's signature, obsession-worthy Cheirosa '87 scent! 21. A bottle of signature Fur Oil for softening and cleansing pubic hair and skin to help tackle those pesky ingrowns and deliver more moisturized and smoother skin below the belt. Lots of reviewers nabbed this on recommendation from their go-to wax professionals and swear by using it in their post-wax routine! Promising reviews:"I am prone to ingrown hairs. I have VERY coarse pubic hair and every time I shave, I get razor bumps and ingrown hairs as the hair starts to grow back. Very embarrassing. This has led me to lean more toward trimming that shaving. I decided to try to shave one more time — well, I used Nair and removed my pubic hair from my genital area. I used Fur Oil every day morning and night after the removal, and even as the hair grows back and beyond. I would also exfoliate the area about two to three times a week with a coffee scrub that I got on here. The hair has started to grow back with zero bumps or ingrown hairs. It has actually been over a month and still no issues. This has never happened to me before. I have never not removed hair down there and not had ingrown hairs and hair bumps. This is a new experience for me, and I am loving it. I have even removed hair again since then and still no problems. My only complaint is the size of the bottle, and the smell is so-so. It is a very small bottle for the price. I will continue to use this combination of products, though, because I know it works. I am satisfied." — In the know "Recommended to me by my waxer. I was a little hesitant at first because it's pretty expensive, but I haven't had a single ingrown hair since using this oil. I am diligent on application of the oil, and it's been great. It lasts — I've been using it for about two months, and there's still a ton in the bottle." — Megan Harmeyer Get it from Amazon for $27.99+ (available in two sizes). 22. A bottle of Nyx matte setting spray because you want to be confident that your makeup actually makes it to *and* through the day without worrying about sweating, crying, or wiping it off. You're going to depend on this for those 90-degree daytime functions! Promising review:"Expensive isn't always better. I tried this spray before spending the day outdoors in 90-degree heat at Disneyland, and the only place my makeup moved was on the tip of my nose because I have allergies and use a lot of tissues. But otherwise it looked as fresh as it did when I put it on. I've used Mac and Urban Decay setting spray and they never worked as well as this stuff. I am completely amazed. Definitely give it a try." — DH Get it from Amazon for $8.50+ (available in two sizes, and also dewy and radiant finishes). 23. Burt's Bees sunburn relief lotion for soothing and hydrating your skin after enduring a little too much sun exposure thanks to a blend of coconut, aloe, and other moisturizing ingredients. This is a great on-the-go must-have in case you accidentally forget to reapply your sunscreen! Promising review:" I'm happy to say this product works! I purchased this product due to my inability to provide my skin with appropriate sun protection one day this summer. I proceeded to spend a night wishing that I could safely freeze myself into an ice cube. Midnight discomfort led me to this product. The initial use was a day or two after the day of regret, but it eased the discomfort and moisturized my reddened skin, helping to soften the leather layer I had started to form. Of course, this review would not be complete without me faulting myself a second time. Two times in one summer, I proved my inability to adult well. I applied this lotion the MINUTE I realized that I had experienced another exposure to the sun for too long a period. To my absolute joy, this product relieved my discomfort. It left a layer that stayed cool for a few hours (at which time I reapplied it), it was a little tacky to the touch (not sticky or oily), and my skin did not experience the crocodile and subsequent peeling experience it had earlier in the season. The scent is soft and not overpowering. I have experienced skin sensitivity in the past to products, but I had no issues with Burt's Bees products. Thank you for providing me with such a helpful product." — Meghan Get it from Amazon for $9.01 (also available in coconut and in packs of three). 24. Orrrrr a cut-to-size aloe wrap infused with aloe vera, green tea, and vitamin E to help reduce redness and that awful burning sensation from a painful sunburn. Plus, it'll help hydrate your skin for minimal peeling afterward! Amazon, Promising review: "I got absolutely FRIED at the beach this past weekend and tried everything under the sun (literally) to provide some relief for my sunburn. I was in so much pain, and every over-the-counter aloe gel, lidocaine, and cold shower was not helping. I found this wrap on my TikTok and immediately bought it. As soon as I put this on my burn, I was immediately relieved of any burning or irritation. I am wearing four patches right now, and I plan on wearing them all day, every day, until this burn heals. I will say the only downside is they slip off once the aloe has worn off! And it is a little bit hard to cut since it is so slippery. But overall, I love this product and will be a forever customer!" — Nick Get it from Amazon for $19.99. 25. Aquaphor's popular lip protectant, which works double duty as a sunscreen with SPF 30 to help soothe and repair dry, chapped lips while still keeping them protected from harmful UV rays! At under $5, you'll want to keep one of these in every purse, fanny pack, and jacket pocket you own this summer! Because this is made with Broad Spectrum SPF 30, it meets the AAD Guidelines! Promising review: " I used this every day 2–3 times a day in the Florida sun. This worked for me fantastic. I cannot use typical balms with sunscreen, so I decided to try this because I love regular Aquaphor for chapped lips." — jeanie Get it from Amazon for $4.76. 26. A pair of reusable and waterproof silicone nipple covers that magically disappear your nipples or piercings from being visible though your shirts or dresses with seamless coverage that stays put! You'll be able to wear your favorite strapless or backless outfits without worrying about stubborn bra straps, and if you're a member of the tig ol' bitty committee — you can even get Nippies that offer lift. BuzzFeed editor Natalie Brown swears by these pasties! Check out her Nippies review to learn more. Promising reviews: "These covers are AMAZING! I used them for the first time this weekend during my bachelorette because of how much white I would be wearing, and they were perfect. I usually use petals, but sometimes you can see the shape of the petal, and my nipple still shows, but these covered my boobs perfectly, and you couldn't see them through a see-through white body suit. They lasted through the night when I forgot to take them off before bed and also lasted through tonsssss of sweaty dancing. I never leave reviews, but I had to spend the word. All my girls on the trip were amazed by them and are all ordering now." — Amazon Customer Get a pair from Amazon for $19.99+ (available in three sizes, with or without lift, and five shades). 27. An acne-clearing lotion specifically for your bum that features an anti-bacterial and moisturizing formula with tea tree oil to help reduce breakouts. Treat your booty to some TLC because it's finally time for daisy dukes, short shorts, bikini bottoms, and other revealing pieces that show off your favorite ass -et! Read more about how tea tree oil can help with acne from Mayo Clinic. Promising review:"This product works, but takes time! I have really bad stubborn acne on my butt and thighs... this product did not clear them up right away, considering I have bad acne so that was to be expected. I am now on week three and am finally noticing a difference in the acne. It is actually mostly clear! if you are willing to wait for the results then this is a good product for you. I noticed if you stop using (which I did for a period of time) the acne does come back! So I would use for awhile after skin has healed as well. This is definitely needed for summer time! Thank you so much for making this product, seems to be the only thing that worked for me!" — Anonymous Get it from Amazon for $24.99. 28. A set of seamless "invisible" underwear — you're going to be obsessed with them after realizing you can barely feel them when wearing them under even your most body-clinging pieces. Bike shorts this summer without a constant wedgie or visible camel toe? These ultra-soft no-show panties have to be worn to be believed! And if you're not into full-coverage underwear, reviewers are obsessed with these seamless thongs! Check out a TikTok of the seamless underwear in action. Promising review: "These are my new favorite. They are comfortable and do not show under all my clothes. They are super soft too and hold up all day without gapping. I have been buying Victoria's Secret underwear for many years spending unnecessary money. I'll repurchase these over and over again." — Joshua Get a set of six from Amazon for $19.99 (available in women's sizes XS–XL and 10 sets). 29. A pack of hypoallergenic, plant-based body wipes designed for freshening up wherever and whenever. A blend of tea tree oil, peppermint, aloe, and ginseng delivers a moisturizing scrub and pleasant scent with this wipe that is larger than a piece of printer paper when unfolded — so you can get all in those crevices, even if you're in the tiniest bathroom ever. Goodwipes Each box includes 10 individually wrapped wipes, making them perfect for taking on the go! Promising review:"I bought these for a long holiday where I anticipated hiking in remote areas without the opportunity to do a whole cleanup at a hotel before going out for dinner. Tho I was never quite that dirty/smelly, even on regular days in the city that were unexpectedly humid or travel days of hopping between airports and train stations, these came in clutch to make sure constant freshness was a quick wipe away." — candi Get a pack of 10 from Amazon for $12.99 (available in two scents). The reviews used in this post have been edited for length and clarity.