trans | Therapy Advice

I'm currently seeing a therapist, really just so I can get a letter for surgery. However, it's become apparent that I just don't have the money right now for surgery and while I had hoped to be done with it next summer, it doens't look like that will be happening for quite a few years. I've only been to this guy a hand full of times and am considering stopping for now until I have the money for surgery. I pretty much know where I stand in terms of gender and now just have to deal with transitioning. Is it beneficial for me to continue seeing him even though it will probably be a few years before I can transition?
My thought is that I don't need to be wasting time and money right now if it won't help me much between now and when I need to start seeing someone again for a surgery letter. Does anyone have contrasting or confirming thoughts on this? If confirming- can I just tell him that I don't have the money right now? I've never "broken up" with a therapist, I don't really know how this goes...

Also- anyone transitioned in the college setting as a professor? That looks like where I'll be by the time I have enough money haha.

Thanks!