If you're saving for it, then you will wait longer to afford a fATPL with a TR as well. Which unknown type are you saving for? They cost vastly different amounts, so when do you stop saving and start training?
While you're still saving, someone else could get a fATPL and get a job with a free TR. They might not - they might start saving again for a TR and still be ready at the same time you are.
Timing is everything, you need to get trained as soon as possible, and be ready for the next wave there's no point paddling after the wave has passed.