First Job Move Budget Sheet + AI Prompt (FREE) with Raghu Datta

Your salary does not arrive on joining day. Rent, food and travel start the day you move, and the first credit comes at the end of the month or later. So the money for that gap has to be in your bank before you shift.

This sheet walks you through it: what to ask HR, the monthly spends to write down, a medical amount to park aside, the one formula for your runway to the first salary, what to check before any deposit, and safe options if you are short. Plus an AI prompt: paste your numbers and it shows the working and flags anything missing.

Free, 6 pages, phone friendly.