We understand that working in an entry-level position you can feel overwhelming, especially when thinking about finances.
The EB-3 Unskilled program is designed for entry-level jobs. These positions typically offer lower wages, but they are also an opportunity: a starting point toward permanent residency, stability, and long-term growth.
Understanding Your Wage
Your sponsor is legally required to pay you a wage that observes the criteria below:
The local or state minimum wage
The wage listed on your Labor Certification
The market wage paid to other employees in the same role
This ensures fairness and legal compliance.
While annual raises are not guaranteed, strong performance, reliability, and a positive attitude can open doors for future opportunities.
Taxes and Take-Home Pay
Your hourly wage is your gross pay. Your take-home pay will be lower than the amount listed as a gross pay because of mandatory deductions, such as:
Federal taxes
State taxes (if applicable)
Social Security
Medicare
Always review your paystubs for accuracy. If you have questions, speak with your employer.
Smart Preparation = Greater Stability
Success in this program depends on preparation and consistency.
Before you arrive:
Research the cost of living in your new city. We recommend Numbeo, because you can research any area and see what housing, gas, utilities and other important items will cost. You can also search the city and state on Google or any other search tools. Many cities in the US have an official website that contains information on living in the city, transportation, amenities, schools, and many other aspects of living in the area that can give you some sense.
Plan your budget carefully and begin saving money.
After arrival:
Live within your means
Avoid unnecessary spending
Focus on stability and growth
Keep saving money for unexpected needs
Here are some websites where you can create a sample budget and learn more about budgeting for your EB-3 unskilled journey:
Also, check out our video from a former BDV client:
If you have not yet chosen a sponsor, it is best to research the cost of living and make sure you can afford to live in that location before making your job selection.
Budgeting for the Entire Year
You should create a realistic 12-month budget based on your expected salary.
A common financial rule in the U.S. for most part of the jobs is that rent should be no more than 30% of your income.
However, with entry-level wages, this may not be realistic. Rent may take a much larger percentage of your monthly earnings.
Because of this, you should plan in advance how you will cover your basic needs through:
Personal savings
Financial help from family
Sharing housing costs with roommate(s)
Getting a ride together to reduce transportation expenses
Entering the U.S. without a financial plan can create unnecessary hardship and would impact your ability to work for your sponsor.
Smart Financial Strategies
Below are some tips to help manage expenses:
Cook at home regularly
Buy affordable groceries
Avoid unnecessary purchases
Delay large “extra” expenses
Share rent with roommates
Ride-sharing to work
Limit subscription services
Choose cost-effective phone and internet plans
Small decisions made consistently can protect your financial stability.
A Realistic but Encouraging Perspective
We understand that surviving on a minimum wage hourly is difficult.
The EB-3 unskilled program provides entry-level employment, not a luxury lifestyle. It requires adjustments, patience, and discipline.
However, for many participants, this is the first step toward:
Permanent residency
Greater job mobility
Career growth
Long-term financial improvement
Your first job in the U.S. is not your final destination; it is your foundation.
With preparation, smart budgeting, and realistic expectations, you can successfully navigate this period and build toward a stronger future.
Important: Extra Expenses to Prepare For
Many clients focus only on their hourly wage, but the largest challenge often comes from initial and ongoing expenses.
You should be prepared and save money in advance for:
Rental security deposit
Utilities security deposit
First month’s rent
Buying furniture for your apartment
Monthly rent (which may take most of your income)
Buying a car (if required in your area)
DMV tags and driver’s license fees
Gas for commuting to work
Moving expenses (truck or van rental)
These costs can add up quickly. Planning ahead will reduce stress after arrival.