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I'd start the process of getting your permit right away. If the permit fees are an issue, open carry until you can the funds together for your permit. I don't know all the laws in New Mexico, but here in Indiana, you can carry an unloaded gun without a permit. But you can still get in legal trouble if your unloaded gun and ammunition are within reach when you are in public. Double check all the laws very carefully if you are going to carry an unloaded gun in one pocket and a loaded magazine in another.
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