Full TT with Muscle Repair - Manhattan, NY

To start out, I have wanted to have a TT for a long time now. I've been trying to find a way that I could possibly afford to have it done. I recently came across Lenox hill hospital plastic surgery clinic and had a consultation on thurs aug 1 st. They quoted me a fee of $4900, which I feel is doable in a few months. the only problem is the residents rotate every 3 months, so the doctor i saw, will only be there until the end of september and i was planning on having surgery in december. I am not sure if i should try and arrange it so i can have surgey sooner or just wait . I am a 39 year old mother of 2 boys(7 & 18). I had my oldest when I was only 21 and only weighed 105 lbs when I got pregnant. I gained 60 lbs and it destroyed my stomach. I lost all the weight fairly quickly and was left with a lot of hanging skin and stretch marks( stretch marks don't really bother me) . It's the skin that bunches up in my clothes that I can't stand. My second pregnancy just added to the extra skin, gained 60 lbs with him also. Just do really want to do this , but not sure if I am ready to do it in a few weeks. It's hard for me to take 4 weeks off from work and don't want to rush my recovery.