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. For the full report, click here.

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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
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9. Louisiana
Total score: 50.06
Affordability score: 10
Quality of life score: 45
Healthcare score: 45
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8. Mississippi
Total score: 48.87
Affordability score: 3
Quality of life score: 50
Healthcare score: 50
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7. Arkansas
Total score: 48.53
Affordability score: 11
Quality of life score: 49
Healthcare score: 46
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6. New Mexico
Total score: 47.92
Affordability score: 33
Quality of life score: 47
Healthcare score: 39
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5. New Jersey
Total score: 47.85
Affordability score: 45
Quality of life score: 33
Healthcare score: 29
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4. Vermont
Total score: 47.76
Affordability score: 50
Quality of life score: 6
Healthcare score: 23
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3. West Virginia
Total score: 47.26
Affordability score: 22
Quality of life score: 41
Healthcare score: 49
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2. Rhode Island
Total score: 45.94
Affordability score: 46
Quality of life score: 43
Healthcare score: 18
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1. Kentucky
Total score: 43.85
Affordability score: 32
Quality of life score: 48
Healthcare score: 47