This was drilled into me from childhood. How to plan for an unexpected surprise? Save your money. Do it now and do it when you move here. Whatever you have planned to use for living expense and then after the actual living expenses have presented them selves. Don't spend all of it, always put some back for a rainy day.
I have used this speech to my kids and grandkids four trillion times. Do you want to hear about not having unprotected sex? I have used that one too.
Whoops. sorry. I guess not.