10 worst states for retirement

Retirement is an ongoing challenge for employers and employees — given lackluster savings (according to the Federal Reserve, nearly 25% of non-retired adults haven’t saved any money for retirement), increased life expectancies and threats to Social Security.

But considering where to retire may help employees by making their post-work savings go even further.

Some states are better for this than others. 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 and adjusted cost of living. Quality of life measured areas including crime rates and water and air quality. Lastly, healthcare put weight on areas including healthcare facilities, physicians per capita and life expectancies.

According to WalletHub’s research, these states came up on the bottom.

Maryland.Annapolis.Getty12219.jpg
Annapolis, Maryland, USA downtown cityscape on Main Street.
10. Maryland
Total score: 50.55
Affordability score (ranked out of 50): 42
Quality of life score (ranked out of 50): 30
Healthcare score (ranked out of 50): 19
Baton Rouge.Louisiana.Getty12219.jpg
Aerial photo Downtown Baton Rouge Louisiana USA
9. Louisiana
Total score: 50.06
Affordability score: 10
Quality of life score: 45
Healthcare score: 45
Jackson.Mississippi.Getty12219.jpg
Jackson, Mississippi, USA skyline over the Capitol Building.
8. Mississippi
Total score: 48.87
Affordability score: 3
Quality of life score: 50
Healthcare score: 50
Little Rock.Arkansas.Getty12219.jpg
The State Capitol of Little Rock stands lit by bright sunshine near dusk Arkansas River in the backgound
7. Arkansas
Total score: 48.53
Affordability score: 11
Quality of life score: 49
Healthcare score: 46
Santa Fe.New Mexico.Getty12219.jpg
Santa Fe is the capital of the U.S. state of New Mexico. It is the fourth-largest city in the state and the seat of Santa Fe County
6. New Mexico
Total score: 47.92
Affordability score: 33
Quality of life score: 47
Healthcare score: 39
Trenton. New Jersey. Getty12219.jpg
NJ state capitol complex at night in Trenton, New Jersey
5. New Jersey
Total score: 47.85
Affordability score: 45
Quality of life score: 33
Healthcare score: 29
Burlington.Vermont.Getty12219.jpg
Burlington, Vermont, USA at Church Street Marketplace.
4. Vermont
Total score: 47.76
Affordability score: 50
Quality of life score: 6
Healthcare score: 23
Charleston.West Virginia.Getty12219.jpg
Charleston, West Virginia, USA skyline at twilight.
3. West Virginia
Total score: 47.26
Affordability score: 22
Quality of life score: 41
Healthcare score: 49
Providence.Rhode Island.Getty12219.jpg
Providence, Rhode Island city skyline from Prospect Terrace Park.
2. Rhode Island
Total score: 45.94
Affordability score: 46
Quality of life score: 43
Healthcare score: 18
Frankfort.Kentucky.Getty12219.jpg
Frankfort, Kentucky, USA town skyline on the Kentucky River at dusk.
1. Kentucky
Total score: 43.85
Affordability score: 32
Quality of life score: 48
Healthcare score: 47
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