Quitting HRT…sick and tired…

I’ve been trying to do HRT for a year. I’ve been taking progesterone, estrogen, and testosterone, the latter two in a cream form. They cannot get my numbers to a therapeutic level… It just seems like my body doesn’t want to absorb the creams. I feel like my practitioners don’t listen. I’m tired of dealing with this and want to quit. Since my levels are sub-therapeutic, is it possible that I can just quit cold turkey?. I’m going broke trying to fight this battle and would rather, at this point, spend the money on new shoes and a sofa lol. I have read previous posts on this forum about quitting cold turkey, but couldn’t find anything that addressed quitting cold turkey with sub therapeutic levels.