Your experience as a 26 year old is not an uncommon one - transgendered or not. Here I am, 31 years old and still trying to find the right job for me. I had to leave my "good" job four years ago and my jobs since then have been to merely pay the bills and live, as you said.
If you really want to join the army -- keep at it. If your medical says (for whatever reason) you can't do it, work at rectifying it through the appeals processes. If it means you need to set aside your personal life goals in order to obtain a lifelong dream of being in the army, then maybe it's what you need to do.
To give you an example, I'm setting aside my personal life (dating/having a family) in order to join the forces. I've given up a lot the past six months, to join the forces. I've also gained a lot in the past six months, to join the forces.
I've also learned to "not settle". If you really want this, do what you need to do in order to get there. I know a lot of the debate before was revolving around the timing of transitioning, etc. That's up to you to decide, it's a personal choice. It's not much different than me wanting to start a family... it takes a while to do, can offset when you can/can't join but - it's a decision you need to make
I hope your medical clears. I hope you get to where you need to go. The army is full of all kinds of people
Both sexes, all sizes, all backgrounds, etc. You will get there, it's just a matter of "when".
Like anyone not cleared medically, you just have to work on whatever the medical "issue" is... for some, it's making sure old injuries are taken care of (which was my case).
Good luck with everything