Toolkit

Moving timeline — from early thinking to arrival

Guidance-oriented planning notes for Canadians moving to the U.S. (not legal, tax, or insurance advice).

Moving timeline

A realistic checklist from “thinking about it” to “settled in.”

Big picture: your move has 3 tracks

  • Status/work authorization: what lets you live/work in the U.S. legally.
  • Money + admin setup: SSN/ITIN, banking, credit, insurance, taxes.
  • Logistics: housing, school, moving truck, vehicle, utilities.
Planning tip

If one track slips (like SSN timing), you can still move forward on the others (housing search, school research, moving quotes).

Real timeline questions

  • “How early should I start?” Many people start 3–6 months out for planning, and 6–12+ months if complex (schooling, job transfer, business).
  • “What can overlap?” City research, document prep, provider calls, budgeting, school research.
  • “What shouldn’t overlap?” Signing long leases, shipping everything, and committing job start dates before work authorization is clear.
  • “What’s the goal?” Reduce irreversible decisions until your status, housing plan, and budget are stable.

6–12 months out: de-risk the move

  • Pick 1–2 likely status options and confirm eligibility with your employer/lawyer.
  • Build a “document binder” (digital + printed): passports, degrees, job letters, pay stubs, marriage/birth certificates.
  • Model a starter budget (rent, car insurance, health insurance, utilities, phone, groceries).
  • If kids: shortlist school districts and verify enrollment requirements.

If you own a home in Canada, decide early whether you’ll sell, rent, or hold—this impacts timing and taxes.

2–4 months out: lock in dates + vendors

  • Choose your target arrival week and build backwards.
  • Get moving company quotes (or DIY truck + storage).
  • Decide what crosses the border vs what you sell/donate.
  • Start U.S. housing search (rent first is common for newcomers).
Ask every vendor
  • What’s the total cost after fees/taxes?
  • What happens if my date changes?
  • Can I get it in writing?

2–6 weeks out: border + first-week readiness

  • Prepare household goods inventory (even if it’s approximate).
  • Confirm your entry documents + employer letter package.
  • Line up temporary health coverage if there’s a gap.
  • Plan your “first 10 days” list: SIM/phone, bank visit, DMV appointment, school enrollment.

Arrival week: focus on 5 essentials

  1. Address: lease/temporary housing + proof of address docs.
  2. Phone: U.S. number helps with everything.
  3. Banking: account + debit card.
  4. SSN/ITIN plan: know your path and expected timeline.
  5. Insurance: auto + health coverage plan.

Your “paper trail” (lease, bills, letters) becomes important for DMV and many applications.

First 30–90 days: stabilize

  • Start building U.S. credit (secured card / starter card if needed).
  • Set up utilities, internet, and recurring payments.
  • Choose primary care + understand in-network vs out-of-network.
  • Tax planning: track moving-related records, residency start, and pay stubs.
Quick win

Create one folder called “U.S. Life Admin” with subfolders: Immigration, Housing, Taxes, Insurance, School, Vehicles.

If you feel stuck

  • Make a list of your unknowns (status, insurance, school, etc.).
  • Rank them by “could break the move.”
  • Resolve the top 2 first—everything else gets easier.

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