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Your location is keeping you broke!
Paying higher taxes, higher rent and higher cost of living. Preparing for a move will ensure you do not accrue debt and you are making the best choice financially as you aim to reach financial stability.
Here are 5 things you can start doing now if you want to move out of state:
1.Research the state you want to move to:
- What is important to you?
- What hobbies do you want to have?
- Do you want to save on income tax?
Tax free states are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. This increase can make a big impact on your financial goals if you have a remote job and your salary does not change.
2.Rent or Buy:
Are you looking to become a homeowner or rent?
Save for the deposit or down payment. Start getting clear on what that number is and break down how much a month you need to save.
Even if you are not ready now but if you prepare you will be ready when a great opportunity comes around.
You may be interested in reading: The ultimate checklist to buy a house for the first-time homeowner.
3.Cost of moving:
Will you hire movers, use pods or do it yourself?
Start budgeting and saving for this cost. Perhaps you would like to hire movers but they are extremely expensive and it is not within your means to hire right now. You can opt to use pods which are a bit more affordable and hire two men from taskrabbit to load the pods for you.
Getting clear on your moving budget will help you choose what method is right for you.
If you do not have a budget yet, here is how to create a simple budget for beginners.
4.Cultural difference:
Be ready to be shocked culturally! Start researching groups you can be a part of and connect before you move. You do not want to get to your destination and you are overwhelmed and can’t make plans to connect.
Having a plan in place will allow you to show up with minimal effort. I want you to consider building your support group at your new location.
5.Relocation budget or change in salary:
If you are moving due to a job, ask if there is a relocation budget. You can negotiate a relocation bonus. Make sure you understand what is included.
Have clarity about how much it will cost to move to see if moving makes sense for you and your family.
Ask your employer if your salary changes if you move out of state. This is very important to note as you do not want to be surprised once your move is complete. In various instances salaries do not change and if you move to a state that does not charge state tax, this will result in an increase in salary.
A drastic change can be from CA to WA, where CA state taxes are one of the highest in the country.
I left California and moved to the evergreen state of Washington to reach my financial goals faster!
Which is odd because in my early twenties I refused to move out of San Francisco. I connected stability with living in the same home. Growing up we moved A LOT and for reasons we could not control like job loss and rent increases.
As I started to gain control of my finances in my late twenties, I started to see that I could choose the neighborhood I can live in. Growing up I moved out of necessity. Now, I can move because I want to improve my quality of life and explore a new state.
I started to dream of a life where it felt like a vacation everyday.
This is how to choose your next job with a salary that is life-changing.
How moving helped me financially?:
My salary did not change and by moving to Washington State with no income tax, I automatically had over $1,000 salary increase monthly.
I am able to reach my goal of $100K invested, faster.
Husband and I were able to buy a home that would otherwise be out of reach in San Francisco.
There is time for adventure even when you are building your career and financial stability!
How to Adjust to Life in a New State: Emotionally and Financially
Moving to a new state can be both exciting and challenging. While you are excited about new opportunities and adventures, adjusting to a new environment can take a toll emotionally and financially. You may be aware of the financial aspect or the emotional toll, but this blog post will cover both to give you a heads-up on what to expect.
Here’s a list of how to navigate this transition, ensuring you support yourself emotionally and financially to set you up for success:
Embrace the Emotional Transition – Acknowledge Your Feelings
Moving to a new state can bring a mix of emotions, including excitement, anxiety, grief, and even sadness. It’s important to acknowledge these feelings:
Stay positive: Focus on the positive aspects of your move, like new opportunities and experiences. Go out and enjoy your surroundings!
Stay patient: Give yourself time to adapt to your new environment, even if it takes a long time.
Build a Support Network
Having a support system in your new state is key for your emotional well-being:
Meet your neighbors: Introduce yourself and build connections within your community. Often, they have block parties or Facebook groups for the neighborhood.
Join local groups: Join clubs, sports teams, or hobby groups to meet like-minded individuals. Do not be afraid to start your own group and meet like-minded people.
Volunteer: Engage in community service to help you feel more connected and give you a sense of purpose.
Establish Financial Stability – Create a New Budget
Moving to a new state comes with different living costs. Create a new budget:
Track your expenses: Monitor your spending to understand your new cost of living.
Adjust your budget: Reallocate funds to change rent, utilities, and other expenses.
Set financial goals: Establish short-term and long-term goals to stay on track. This is important because living in a new state will require adjustment to your current financial situation, but it will also inspire you to change your goals and dream bigger!
You may be interested in reading: How to build the financial stability you did not have growing up.
Save on Moving Costs
Minimize moving expenses to avoid financial strain:
Declutter: Sell or donate items you no longer need to reduce moving costs.
DIY packing: Pack your belongings yourself to save on labor costs.
Move during off-peak times: Consider moving mid-month or during the off-season to take advantage of lower rates.
Pods or drive yourself: Consider pods or rent a U-Haul and drive yourself to avoid spending on movers.
Find Your Routine – Daily Habits
Have a routine to provide you with a sense of normalcy and stability:
Create a schedule: Plan your daily activities to help you feel more settled. Include things you did in your previous home while adding a few new ones.
Explore your town: Find new places for your regular activities, such as grocery stores, gyms, hiking trails, dancing classes, restaurants with your favorite foods, and coffee shops.
Stay active: Physical activity can help reduce stress and improve your mood. This can be as simple as a walk. The grounding experience can remind you of the reasons you moved to the new state.
Hobbies: Pick up new hobbies and continue to your previous ones to allow yourself to play more and nurture your inner child.
Therapy: Support yourself with therapy sessions. Add this to the budget in case you need the extra support.
Read: 28 Activities to do instead of spending money.
Financial Routines
Maintain a financial routine to help you stay on track:
Automate savings: Set up automatic transfers to your savings account. If you already have automation, update your savings amount because you may have more to contribute to savings in your new state.
Review your financial goals: Check in with your long-term and short-term financial goals and ensure you are on track.
Review and adjust budget: Make the necessary changes to reflect income or expense changes. Remember, the budget is your roadmap, and checking in is key to achieving your financial goals.
Let me help you, read: 6 Steps to financially get ready for the week on a Sunday.
Stay Connected with Old Friends – Maintain Relationships
Keep in touch with old friends who can provide emotional support:
Regular calls: Schedule regular video calls or phone calls.
Plan visits: Go back home and visit or host your friends at your new home.
Social media: Use social media to share updates with friends and family and stay connected.
Learn About Your New State – Understand Local Culture
Learning about your new state can help you feel more connected and welcomed:
Research history: Visit local museums and historical sites.
Try local cuisine: Explore local restaurants, experiences, and dishes.
Participate in traditions: Engage in local traditions and holiday celebrations.
Adjust Your Finances
Ideally, you do this step before moving to a new state, but in case you haven’t, now is a great time to review the financial landscape of your new state:
Research cost of living: Familiarize yourself with the average housing, groceries, and utilities costs.
Understand taxes: Learn about state and local taxes to plan your finances better.
Explore the job market: If you’re job hunting, research the local job market in your area of expertise and salary expectations.
My Experience in a New State
I moved from San Francisco, CA, to Washington State. Financially, I did an amazing job at setting myself up for success. Here is what I did:
Researched salary adjustment: I reviewed my employee manual and asked HR if my income would change depending on location. Some companies will adjust your salary if you relocate from your current address. My company’s answer was “No,” which allowed me to move states, knowing my income would stay the same.
I was an Executive Assistant. You may be interested in:
How to reach $100K salary as an Executive Assistant.
No state income tax: I learned that some states do not have state income taxes. Therefore, my salary with my remote job at the time was almost $1,000 higher.
Adjusted my budget: I adjusted my salary accordingly since I had a salary increase.
Long-term financial goals: I increased my contributions to my 401 (k) and Roth IRA. I focused on growing my Money Coaching business to create opportunities beyond my 9-5 job.
You may want to read- Roth IRA basics: Everything you need to know to get started.
I successfully prepared financially, but I was unaware of the emotional toll
Here is what I learned after two years and a half:
Guilt: I experienced the guilt of leaving my family behind and allowing myself to have different adventures and experiences. I wanted to always be available for my family and nearby if they needed me. I learned that distance was necessary so I could put myself first and be the best daughter and sister they needed me to be. I learned that as the eldest daughter, I had neglected my needs and had always to be the strong one for everyone else. I am learning the power of crying and that it is okay to show your human emotions. I do not always have to be the strong one.
Grief: The only grief I was aware of was when you lose a loved one. But when I moved, the first year was about grieving. Grieving the past version of me, my identity, the city where I resided for 22 years, and the version of the eldest daughter I had been all of my life. I thought something was wrong with me when I could not enjoy my new state and cried often. I increased my therapy sessions to understand what was happening, and I learned I was grieving. Moving forward, I gave myself grace and gave myself the space to feel grief.
Community: I dedicated myself to adapting for an entire year, and the next puzzle piece I was missing was community! I missed being in the community and friends. I created a paddle-boarding group for women of color. I vividly remember joy slowly started coming back into my life! I learned I had to understand guilt and grief before making room to be in community. Community has made the best impact and made me feel more “at home.” I feel very lucky to have made friends with people with similar hobbies and values.
Adjusting to life in a new state requires a balanced approach, both emotionally and financially.
This list is a great start to supporting yourself in order to have a smooth transition. Embrace this new chapter with optimism and plan to make amazing memories in your new home.
Slow Living Can Help You Align Your Finances with Your Priorities
Are you constantly caught up in the hustle, trying to keep up with bills, social pressures, and all those “must-haves ” we see advertised?
If you are, you may be experiencing a lot of stress and need peace and fresh air. It often feels like you keep treading water to keep your head above water. But what if I told you there’s a way to slow things down, simplify your life, and ensure your finances support your priorities?
Slow living is all about being intentional about how you spend your time, energy, and, yes, money. It is about stepping back from the fast-paced lifestyle so many of us thought was the way to reach success. Focusing on what matters, like being present, is also a form of success.
Here are mind-blowing ways to create a rich life without more money.
Embracing slow living can help you align your finances with your priorities:
What is Slow Living?
Slow living is not a trend; it is a lifestyle choice.
If you think about your abuelitos, abuelitas, family back in the motherland, they eat their meals together. They go to the park in the evenings. They go to the rivers on the weekend, walk to each other’s homes, and share a plate of food. Their lifestyle is about being present, the memories they are building, the jokes they share, and the love they add to the plate of food they cook. They are intentional!
It’s about mindful living, where every decision is made with purpose.
It is easier to rush through life in the United States or big cities, but what if you take the time to reflect on what truly matters to you? The goal is to simplify your life and focus on what brings you joy and fulfillment.
Why does slow living matter when it comes to your finances?
It is simple. It is easy to spend without thinking. Think about how many times a day you see ads on social media, TVs, etc., and you are tempted to make a purchase on something you do not need. It’s easy to compare what others have, and you may want it too, or even just boredom. A slow-living mindset helps you switch your focus to making intentional choices about where your money goes—just like how you do with your time.
How Slow Living Impacts Your Finances
Slow living has a positive impact on your finances—YAY! One of them is that it encourages mindful spending. Slowing down helps you evaluate your financial choices, and you naturally start to focus on things that align with your values.
Here’s how slow living impacts your finances:
You stop impulse buying: With slow living, there’s less rush to “keep up” with trends, people or buy things you don’t need. You learn to be more thoughtful about your purchases and have other priorities.
You align your spending with your values: By focusing on what truly matters—family, memories, or financial freedom—you spend money on things that enhance those values and cut out what doesn’t. You even hit your financial milestones faster!
You set clear financial goals: Slow living encourages long-term thinking. Instead of short-term gratification, you focus on bigger financial goals like saving, investing, or paying off debt. You keep your future self in mind more often than not.
Less expensive lifestyle: This lifestyle might lead you to move cities, states, or countries, saving you money on rent or mortgage.
Steps to Align Your Finances with Your Priorities Through Slow Living
Ready to start planning to transition to a slow-living lifestyle?
Here are a few steps to help you align your finances with your priorities:
1. Identify What Truly Matters
Let’s step back a second. What really matters to you? What are your top priorities? Is it spending quality time with loved ones, traveling, or achieving financial freedom? Once you know your priorities, you can start aligning your spending habits with them.
2. Assess Your Spending
Assess your spending. Are you putting money toward the things that matter to you? Or are you spending on things that don’t serve your long-term goals? Cut out unnecessary expenses, and you free up money to focus on what truly matters to you. The goal is not to minimize spending. The goal is for you to spend in alignment.
Here are genius ways to save money without spending it.
3. Create a Budget That Reflects Your Priorities
Creating a budget for slow living puts your priorities front and center. Allocate more funds toward the areas that align with your values, whether that’s experiences, savings, or something meaningful. A budget isn’t about restricting yourself—it’s about giving your money purpose. This leads to spending less because you are more present, not keeping up with the latest car models, etc.
Real-Life Examples of Slow Living and Financial Alignment
Are you curious how slow living looks in practice regarding finances?
One of my clients spent hundreds on takeout and buying new clothes every month. She enjoyed it at the moment, but she realized that these habits weren’t aligned with her deeper goals of saving for a home and spending more time with her growing family. She noticed that she would spend the most money when her mood was low. She started to look within and pay close attention to her emotional spending. Also, she moved out of San Francisco to enjoy slow living, and she started cutting back on impulsive spending and redirected that money toward her savings. Now, she’s closer than ever to her goal of buying her first home and feels more in control of her finances. She experiences less stress, too!
As for me, I decided to move out of San Francisco, and I now live in Washington State. I was craving peace, joy, less stress, and a bigger home for my three fur babies. Moving states led me to pay less on income taxes. I bought a new build with 4X the space in San Francisco for the same price. The lifestyle here is more inexpensive. It is incredible! I shifted my focus to being present, having more adventures that cost so minimal, and loving my family. It is safe to say due to how calm Washington State is, I can hear my thoughts! Now, I have increased my salary by simply saving on state income tax, I have built the capacity to grow my money coaching business, and I can invest more to reach early retirement.
Slow living can transform your finances in several ways. The key is to find what works for you and adjust your spending accordingly.
The Long-Term Benefits of Aligning Your Finances with Slow Living
By now, you’re probably wondering about the long-term payoff of aligning your finances with slow living. Here’s the beauty of it: when you start spending and saving according to your priorities, you set yourself up for financial freedom and less stress.
Less debt: When you cut out unnecessary expenses, you’re less likely to rely on credit cards or loans to keep up with a lifestyle you do not truly value.
More savings: Slow living involves making conscious decisions about where your money goes, which leads to better savings habits.
Financial security: In the long run, having a budget and financial plan that aligns with your core values gives you more stability and peace of mind. You automate your savings, investments, and debt payoff and decide to be present and make memories. There is no way you will not experience less stress.
Slow living isn’t just about doing less—it’s about doing more of what truly matters. When you take the time to align your finances with your priorities, you’ll find that your money works for you, not the other way around. You are capable of being in control of your finances. You’ll experience more peace, less financial stress, and the satisfaction of knowing that your financial decisions are supporting the life you want. Your future self will thank you!
Living with intention leads to financial freedom. By embracing slow living, you’re not just making better financial choices—you’re investing in a life that truly reflects who you are and what you care about.
Ready to Move? Here’s How to Pick the Perfect State for You
Now more than ever, you are ready to move to a new state.
Deciding where to live can be one of your most significant decisions. Of course, you want to be responsible in this decision and make sure you are making the best decision for your wallet, your well-being, lifestyle, and goals.
Here are the important factors to consider when choosing a state to move to, plus some money tips to help make the transition smoother:
1. Assessing the Cost of Living
The most important factor to consider when moving is the cost of living. Moving from one state to another involves a big change in housing, utilities, groceries, hobbies, and even taxes.
Housing Costs: Will you be renting or buying a home? Rent and home prices vary significantly from state to state. Housing costs are much higher in places like California or New York than in states like Texas or Washington State.
This is the script I used to negotiate my rent and save money every month! Try it.
State Taxes: Income tax rates vary, and some states (like Florida, Washington State, Nevada, and Texas) don’t have a state income tax. This can make a big difference in your take-home pay! If you are able to keep your job from a high-cost-of-living state to a low-cost-of-living state, then you are giving yourself an increase in salary!
Hobbies: The prices for hobbies you might want to pick up vary by state as well! Going to the symphony in San Francisco, CA, is more expensive than in Portland, OR. Yes, research even your hobbies because this is part of your lifestyle and pass time.
Start by considering the weather in the summer and winter. Can you handle 100-degree summers or snowy winters? Then, consider your values and community. Will your new home state make the transition easier by connecting with like-minded individuals?
Now that you have narrowed down a few states, start researching housing, groceries, hobbies, and taxes.
2. Employment Opportunities
Next, let’s consider your salary. Moving to a new state can help or impact your finances, and you want to make sure you are setting yourself up for success.
Employment Opportunities: The easiest way to make the move is to be able to keep your job with the same salary. You will have to speak with HR about their policies regarding moving states and wages. Sometimes, your move will not impact your salary, but in other instances, you can move, but you will have a salary adjustment. Even in that case, you are saving on state income tax, for example, and it may be okay with the salary adjustment. Of course, know your numbers before deciding to move. If you have to move jobs, then consider your industry. Some states are known for specific industries (tech in California, finance in New York, energy in Texas), so consider where your skills are in demand so that it is easy to find a job.
Start a side hustle or business: If you know you are moving in a year and are preparing now, starting an online side hustle or business will really benefit you in the move. You will have flexibility, extra income, and faster access to your money goals.
Look up the job market in the state you are considering, speak with HR, and consider a side hustle or business so that you put your best foot forward as you embark on this new journey! Also, consider growth and financial stability.
Here is how to add a side hustle without burning out.
3. Quality of Life
Choosing a new state isn’t just about finances; quality of life matters, too. It actually matters more because I do not want you thinking about your finances 24/7. I want you to have a financial game plan for reaching your money goals, set it automatically, and start enjoying your life every day!
Ask yourself what environment would make you happiest day-to-day, what hobbies you want to pick up, and what scenery you want to enjoy.
Climate: Do you thrive in sunny weather? Would you enjoy a snowy winter or six months of rain? The weather could impact your happiness, so choose carefully.
Culture and Lifestyle: Every state has its unique vibe. How do you want to spend your days? Outdoors in Colorado or at the beach in California. Think about your own culture and the group of people you want to hang out with. Would you find them in the new state? San Francisco is very diverse, whereas Ohio is not. You will be the happiest where you fit in and are aligned with.
Support system: Is living near family or friends important to you? Let’s say you have children; maybe living near family might help cut expenses—friends you can hang out with to make the move as pleasantly as possible. But if you do not have family and friends nearby, you must put in more effort to start your support system again.
Moving to a state that supports the lifestyle you want and is aligned with your values will ultimately affect your overall well-being, make your new location feel like home, and make the transition pleasant.
4. Tax and Financial Implications
Different states have different tax structures, and this can have a significant impact on your finances. I moved from California to Washington State because they do not have state income tax, and it automatically gave me a little over $1,000 extra a month from my paycheck. California has one of the highest state income taxes in the United States.
State Income Tax: These states do not have a state income tax: Texas, Florida, Washington State, Alaska, New Hampshire, South Dakota, Tennesse, Wyoming, and Nevada have no state income tax, which means higher take-home pay.
Property Tax: If you plan on buying a home, property tax rates vary widely and can add significantly to your monthly housing cost. HOA prices also vary!
Sales Tax: Consider states with lower sales tax to save more when purchasing.
Taxes are crucial when choosing where to live, especially if you’re planning to move long-term or buy a home.
5. Education and Healthcare Access
Education and healthcare are important for families, but they can also impact long-term financial stability and access to quality services.
Public Education Quality: If you have kids, researching the quality of public education in each state can help you choose a location where they can thrive.
Healthcare Access and Costs: If you have specific health needs, look into healthcare facilities, insurance costs, and the availability of medical specialists.
States with a strong public education system and accessible healthcare can be a huge plus, especially if you plan on living in the new state long term.
6. Money-Saving Tips for Relocating
Moving states is expensive, but there are some smart ways to keep costs under control. Plan for these expenses. Do not just go with the first option you see.
Budget for Relocation Costs: Start early, even if you have not decided yet, but start saving now. Moving costs can add up quickly, whether it’s hiring movers or renting a truck. Create a moving budget and stick to it.
Here are 5 different ways to budget, find what works for you.
Plan Your Move in the Off-Season: Avoid moving during the summer at all costs. Consider moving during less busy times, like fall or winter. You will find cheaper rates from moving companies.
Downsize Before Moving: The last thing you want to do is move things you will want to throw away when you arrive at the new state. Plus, it’s a great opportunity to start fresh without clutter.
Consider DIY Moving: If you want to move on a budget, rent a truck, get some friends, and handle the move yourself. This can save you money.
These tips can help you save on moving costs, which you can then use to pay for settling into your new home. You will also need furniture, so budget for that!
It’s super exciting that you are considering moving to states that align with your values, help you reach your money goals faster, and offer a quality of life that feels in alignment.
If you start preparing now, your move will feel manageable. And with a solid relocation plan, you’ll be all set for a smoother transition.
Take the time to research, budget, and prioritize what matters most to you in a new location. You’ll be much more likely to land somewhere that fits your lifestyle and financial goals.
Five Things Moving Out Of State Has Surprisingly Taught Me
What a journey I’ve embarked on!
I moved out of California in April 2022 to reduce expenses and reach my financial goals faster.
Nine months later, I was surprised at five unexpected things it taught me!
1. I can hear my voice and follow my intuition because I trust myself
It is easy to be on autopilot and get carried away with everyone’s expectations in mind. I am not going to pretend and say I did not consider everyone’s opinions when I was making a choice.
Living two states away, I am following my intuition without anyone questioning me. Is this what being an adult looks like?
I finally feel like I am living for me. I am trusting myself in my choices because only I can make decisions that are beneficial to me and my future. I feel at peace!
2. I am the Chingona I always thought I was!
I always knew this, OK! To map out a plan is one thing, BUT to live the life you have been envisioning is surreal!
I 100% believe I am the Chingona that can make anything happen in my life.
Making the move a reality proved that I am in charge of my life and things don’t just happen to me but happen for me.
Two affirmations I live by:
I do not chase, I attract.
What is for me will not pass me.
3. Nothing is permanent and I can find happiness wherever I desire
I am safe and can be happy anywhere! I lived in Guatemala for 10 years, then moved to San Francisco, California, where I spent 21 years. I can move to another state or country; it does not have to be permanent!
Oftentimes, we are scared to make a move even if it is beneficial for that season of our lives because change is scary. Being scared will keep you stuck, even though abundance can be on the other side of fear. I used to say that I didn’t want to move anymore because I moved homes my entire life and wanted a stable home.
But here is what changed….
Growing up, we moved countries for better opportunities. Then we kept moving from home to home because of family issues, and we needed cheaper rent. Then we were financially stable and we could afford a bigger home. BUT things would get rocky and we had to downgrade again. Stability was everything I wanted, and we didn’t have it.
As I was getting older and struggling with money and being debt-free, my inner child started to crave stability again. I wanted to live in one home for a very long time. I didn’t want to be in limbo, and that meant having the same house or at least being in the same city.
But what happened? As I started to pay off debt and earn more income, I realized I could move anywhere and still feel safe, stable, and like I was home.
This is why I am no longer scared to move, because it is under my circumstances while attracting abundance. I am not in survival mode. It is a choice.
I am safe and stable no matter where I go, and this is the type of peace I help my clients with. I help them rewrite their story, resolve financial trauma, and accept abundance.
4. Unleashing guilt by redefining my role as a sister and daughter
The mind drama I experienced leading up to my move to Washington State almost convinced me to back out! I did not because I decided to do it scared to see where my intuition would take me. I kept feeling guilty for wanting to improve my life. I felt selfish for leaving my family behind.
There is a sense of loss. I did not expect this move to shake my foundation the way it did.
I kept reminding myself:
It is time for something new. It is important to follow my intuition and dreams.
My move is not permanent, and I can always come back.
- I have the means to come visit my family in SF.
- This is what I’ve been working so hard for.
- This is the life I envisioned for myself.
I share this mind drama because as you are building your life, you will feel off, selfish, sad and may want to back out. You are the first one in your family!
The moves you are making in your life you have not seen them modeled before.
There is this voice in your head that will want to keep you where you are, but it is not where YOU want to be. Swimming against the current will feel like the most difficult day. All your feelings are valid.
As the oldest daughter and sister, I took on a role, like many of us, to unconditionally be there for my parents and siblings.
I have to thank my therapist for helping me redefine my role as a sister and daughter. The relief I feel knowing I can be great at both with many miles between us unleashed so much guilt!
I can redefine roles and weed out societal expectations that are not serving me.
5. Allowed me to heal my inner child, put myself first, and care for future me
The money journey leads down paths that you never imagined you would be in. It’s more than saving or investing.
It allows the space to become a better human. It allows the space to reconnect with yourself. And it allows you to HEAL.
I am creating the time and space to have fun. I am taking dance classes. I am exploring new places in a new state. I am continuously practicing rest without guilt.
I am working towards saving nine months of emergency funds to leave any toxic situation. I am investing to build generational wealth and to be work-optional.
I escaped living in survival mode and living for others. I have the capacity to think about everything that brings me joy.
What You Need to Know About Moving to a New State in Today’s Political Climate
Whether it’s for a fresh start, a lower cost of living, better job opportunities, or just a change of scenery, relocating is a big decision. But in today’s political and economic climate, there are even more factors to consider before you pack up and go. And you want to make the best decision for you and your family.
The state you choose to move to can impact everything from your taxes to healthcare access, job prospects, and even your sense of safety and community.
Here’s how to move while keeping your financial and personal well-being in mind:
1. Understand the Cost of Living Beyond Rent
I want to help you think beyond rent in a new state or mortgage costs because the cost of living is more than just housing.
Here are three things to consider:
- State taxes: Some states have no income tax (like Texas, Washington, Nevada, Florida, and others), while others have high taxes that could affect your take-home pay.
- Healthcare costs: Depending on the state’s policies, health insurance and medical services may be more or less affordable.
- Utilities and transportation: Gas prices, electricity costs, and public transportation availability vary widely by location.
Before you decide where to move, research the full financial picture to make sure your new state aligns with your budget, lifestyle, and wants.
I moved from San Francisco, California, to Washington State, and moving automatically gave me and my husband roughly a $1,000 increase each in our paychecks. California state has one of the highest state income taxes! It is insane!! Washington State had no state income tax, so we immediately raised our income.
You want to check with your job to see if you can keep your salary when you move states. Often, jobs adjust their salaries depending on where you move to.
2. Check Job Opportunities and Worker Protections
If you’re moving for work, it’s important to understand the job market in your target state.
Some states are booming with tech, healthcare, or just more opportunities, while others may have higher unemployment rates or lower wages. Getting hired before the move might be ideal!
Also, consider labor laws and worker protections:
Does the state have a higher minimum wage?
Are there strong worker rights and protections, like paid leave or anti-discrimination laws?
You want to make sure you’re not taking a step backward in your career or financial stability.
Build a comfortable emergency fund so that if anything happens with your job in your New State, you can find your next job without stressing over your finances.
3. Consider the Political and Social Climate
Having this topic in your mind is hard when moving alone is stressful enough! But now more than ever, it is important to take into account your values and the community you want to have.
- Reproductive rights & healthcare access: Depending on where you move, access to specific healthcare services may be limited.
- LGBTQ+ protections: Some states have strong anti-discrimination laws, while others do not.
- Racial and ethnic diversity: If living in a diverse, inclusive community matters to you, look into demographics and local policies.
You want to feel safe and welcomed in your new state, which is just as important as finding a place within your budget. This is the state that you will call home for a long time so finding your community and sense of belonging is important.
4. Research Housing Markets and Availability
Are you thinking of renting or buying? The real estate market has been unpredictable, with some states seeing price drops while others are still competitive. Whether you buy or rent, research location, transportation, activities, etc.
If you’re renting, be aware of:
- Tenant protections: Some states have strong rent control laws; others do not.
- Availability of affordable housing: High-demand areas may have long waitlists for rental units or inflated prices.
- HOA and property tax considerations if you’re buying a home.
Be mindful that a state with low rent may not be a good deal if protections are weak and rent hikes are common. Rent increases can be very high in some areas.
A tip to remember is to use 30% or less of your income on housing.
5. Visit Before You Move
Visit your potential new state before making the move. Walk around neighborhoods, check out grocery stores, visit coffee shops, and get a feel for the daily life. A simple walk around the neighborhood you are considering will give you a glimpse of how your neighbors are.
I moved to a neighborhood with many parks for children, and the neighbors waved hello when they passed by! They are extremely friendly!
Ask yourself:
- Can I see myself building a life here?
- Are the communities welcoming?
- Does it feel safe and comfortable?
Researching online is helpful, but nothing compares to experiencing a place firsthand. Take that flight at least once before committing to your new neighborhood. It can make all the difference.
6. Plan for the Unexpected
All the tips above are important, but this one might be my number one! And it should be yours too!
Relocating is a big financial commitment, so you must have a safety net.
This includes:
- An emergency fund: Aim for at least 3-6 months’ worth of expenses before moving.
- A relocation budget: Account for moving costs, deposits, travel, and any time off work.
- A backup plan: How will you pivot if things don’t work out? Having a plan B can ease stress and make the transition smoother. Do not be scared of a plan B. Sometimes, it ends up being the plan you needed in the first place. Pivoting is okay!
It’s such an exciting time! I truly loved my move out of California.
Moving out of state can be one of the best decisions for your finances, career, and overall happiness. But in today’s political climate, it’s important to consider more than just a new job and rent prices. You want to be able to thrive at your new location, so please do your research.
I moved from San Francisco, California, to Washington State, and I absolutely love my move! It’s been three years!
Friendly reminder: Your credit card is not an emergency fund.
5 Things Moms Should Know Before Moving Kids Out of State
I know how nerve-wracking moving states can be. And when you have kids, the stakes feel even higher.
It’s not just about packing boxes and finding a new home. We are talking about uprooting your family, adjusting to a new environment, and making sure your kids feel safe and supported through it all.
Whether you’re moving for a better job, a lower cost of living, or just a fresh start, here are five things every mom should know before making the big move:
1. Your Kids Will Have Big Feelings About It—And That’s Okay
You are excited about the move, but your kids might be on the fence. This makes complete sense because their thoughts are leaving behind friends, familiar places, and routines they are used to.
Expect a rollercoaster of emotions in one day, like excitement and tears. It is not that you are doing anything wrong, it’s just that younger kids might not fully understand what’s happening, and older kids could feel frustrated about leaving their close friends behind.
Give your kids space to process their emotions. Involve them about the move early on, answer their questions, and validate their feelings. Let them know it’s okay to be sad, nervous, or angry. But it is also important to remind them of the exciting parts of moving states, like the new adventures, new friends, and new opportunities.
Paint the picture for them! Bonus points if you look up activities your kids are into and what the new state has to offer. Visuals will go a long way with your kids, and see how their feelings shift.
2. Schools Can Make or Break Your Move
Finding the right school is important and a top priority for any mom. You might be excited for a better cost of living, the new job, or the family support you will have but having a bad school experience can easily overshadow all the excitement.
Research schools as early as possible. It is hard to get the vibe of the school if you are far away and don’t know anyone in the area. So, join local Facebook groups, ask other parents for feedback to help you make decisions, and visit the schools if you can.
Take into consideration what’s important to your family: diversity, class sizes, extracurriculars, or special programs.
If you’re moving mid-school year, reach out to the new school ahead of time to get the transition process started. Find out how credits transfer, what paperwork you need, and how they help new students adjust. The smoother the transition, the easier it’ll be on your kids.
If you’re considering public schools, check the school district boundaries before signing a lease or buying a home. You don’t want to find the perfect school only to realize you’re zoned out of it. Yikes!
3. Your Support System Will Change (And That’s Hard)
I did not say the move would be easy because leaving behind friends and family is one of the hardest parts of moving. And, when you have kids, it becomes even more difficult because of the support your village provides. Whether it’s grandparents who babysit, mom friends who help on tough days, or a school carpool you rely on, moving means starting over.
It is not impossible to rebuild in a new state but it will take time to rebuild your support system. Give yourself grace. You can start looking for mom groups, local community events, and kid-friendly places where you can meet new people. If you have family or close friends in your current state, plan visits and keep communication open so you don’t feel completely isolated. Trust me, it will feel lonely at first, but it is only temporary.
Apps like Meetup and Peanut are great for finding mom friends in a new city. Facebook parenting groups are also a goldmine for making local connections.
4. Cost of Living Can Surprise You
You might be moving because the cost of living is lower at your new state but don’t assume that a lower cost of living automatically means your expenses will drop across the board. Housing might be cheaper, but groceries, childcare, and even gas prices can vary significantly from state to state.
Before the move, you want to do the research as much as you can, from average utility costs to car insurance rates. If you’re moving to a state with different tax laws (hello, Texas, Washington, Nevada, and Florida with no state income tax!), consider how that affects your overall budget.
Make sure you have a new budget based on your future city’s cost of living before you move. This will help you prevent any financial surprises once you’re settled in.
5. The First Few Months Will Be Tough (But You’ll Get Through It)
No matter how much you plan, the first few months after a move will be an adjustment. You and your kids will be coping. You’ll miss familiar faces, your kids might struggle with homesickness, and there will be moments when you wonder if you made the right choice. That’s normal. So make sure you make room for big emotions. This is important because you do not want to ask yourself to push through. Sometimes, you just have to feel your emotions.
Give yourself and your kids time to settle in. Stick to routines that are familiar as much as possible, create new traditions that are exciting, and find things in your new city that bring you joy and laughter.
If your kids are having a hard time, create a jar with activities written on sticky notes so that when they are feeling sad, they can choose an activity to do that day. It can be filled with activities, ice cream shops, parks they can discover to start making memories and embrace new adventures.
You’ve Got This, Mama
This is your time to start again, to build something beautiful! Moving out of state is a big change, but not impossible. You will need patience, preparation as much as you can, and a little flexibility, you and your kids will adjust and thrive in your new home state.
Remember, you’re not alone. Every mom who has made a big move has felt the same nerves, doubts, and struggles. But give it some time, your new state will start to feel like home, and you’ll look back and see just how strong and resilient you really are.
And trust me, your kids will come around and enjoy this new adventure with you very shortly thereafter.
So take a deep breath, embrace the adventure, and know that you’ve got this!
Where are you planning to move to? Let me know in the comments how you are feeling about the move.
More Moving Out-of-State Posts You Might Enjoy:
- How to budget for an out-of-state move
- 6 Signs it is time to move out of California
- How to adjust to life in a new state: Emotionally and Financially
- Ready to move? Here is how to pick the perfect state for you
- 5 Things moving out of state that has surprisingly taught me
- How to make passive income with a Roth IRA as a beginner
