Story of a guy who when he was little wanted more than anything to become a girl, but kept it secret. Due to fear he let those dreams fade. Sure there were plenty of girls he liked even tried to or successfully dated a few. Later in life things happened in his life lost family and friends due to death and some to moving countries. Those old feelings resurface which scare him even more because he's living with and taking care of his elderly mother who is still able to get around and due things for herself but her memory and hearing is beginning to fade. And some of the few friends he has left are against Trans people.
So one day he decides to take the plunge and start HRT. But he keeps it hidden. As he begins to become more female on the insides he lives life as a male around friends and family. Alone, she can be her beautiful true self. Around people she wears very baggy clothes.
One day as she's in her room she's naked checking out her growing breasts and new female bits between her legs taking proper after care. She realizes she had forgotten to lock the door when it opens and either her mother or older brother comes in.