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A young businessman surrounded by moving boxes celebrating while using a laptop

10 worst states to retire

For employees, a good question to ask to is not only when they plan to retire, but where. According to recent data from the Federal Reserve, nearly 30% of non-retired adults haven’t saved any money for retirement.

If retirement is still a big question mark for workers due to financial difficulties, they could consider relocating to a state that allows them to keep more without requiring a drastic change to lifestyle.

Some states fare better than others, and financial website WalletHub has compared states across three key metrics: affordability, quality of life and healthcare.

Affordability was calculated using metrics such as tax-cut friendliness, adjusted cost of living and pension and Social Security incomes. Quality of life measured areas including crime rates and water and air quality. Lastly, healthcare put weight on topics including healthcare facilities, physicians per capita and life expectancies.

According to WalletHub’s research, these states came up on the bottom.
1. Alabama1.jpg
Flag of the US state of Alabama on a brushed metal backgound

10. Alabama

Total score (out of 100): 50.55
Affordability score (out of 50; 1 is the best, 50 is the worst): 3
Quality of life score (out of 50; 1 is the best, 50 is the worst): 48
Healthcare score (out of 50; 1 is the best, 50 is the worst): 48
2 Hawaii.jpg
Flag of the US state of Hawaii on a brushed metal backgound

9. Hawaii

Total score: 50.31
Affordability score: 49
Quality of life score: 36
Healthcare score: 3
1 New Mexico.jpg
Flag of the US state of New Mexico on a brushed metal backgound

8. New Mexico

Total score: 49.76
Affordability score: 39
Quality of life score: 42
Healthcare score: 35
9. Louisiana9.jpg
Flag of the US state of Louisiana on a brushed metal backgound

7. Louisiana

Total score: 49.15
Affordability score: 17
Quality of life score: 41
Healthcare score: 46
9. West Virginia.jpg
Flag of the US state of West Virginia on a brushed metal backgound

6. West Virginia

Total score: 48.29
Affordability score: 16
Quality of life score: 43
Healthcare score: 49
6. Arkansas6.jpg
Flag of the US state of Arkansas on a brushed metal backgound

5. Arkansas

Total score: 46.89
Affordability score: 20
Quality of life score: 50
Healthcare score: 45
2. Mississippi.jpg
Flag of the US state of Mississippi on a brushed metal backgound

4. Mississippi

Total score: 46.28
Affordability score: 10
Quality of life score: 49
Healthcare score: 50
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flag of rhode island waving with highly detailed textile texture pattern

3. Rhode Island

Total score: 45.14
Affordability score: 48
Quality of life score: 46
Healthcare score: 22
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2. New Jersey

Total score: 44.94
Affordability score: 50
Quality of life score: 28
Healthcare score: 33
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1. Kentucky

Total score: 43.06
Affordability score: 38
Quality of life score: 47
Healthcare score: 47
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