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There is a pretty serious — and pretty basic — retirement crisis in the United States: Many employees haven’t saved a dime for retirement, and others are saving but haven’t saved enough.

According to research from TIAA, employees aren’t the only ones concerned about their ability to save for retirement — employers are seriously worried, too. Nearly half of employers say they are only somewhat confident in their employees’ retirement futures, citing concerns about their employees not being able to pay for healthcare expenses in retirement and outliving their retirement savings.

Meanwhile, one resounding refrain among future retirees who haven’t saved enough for retirement is that they never plan to retire, and will just keep working forever. But research has found that the majority of people end up retiring sooner than expected — by age 65 is the average — either because of their own health issues or because they have to take care of a loved one.

But there might be one fairly simple and smart way to ensure employees have enough money in retirement: Relocating to a city that has a lower cost of living and can stretch post-career savings. WalletHub, an online personal finance site, researched the Best & Worst Places to Retire by comparing 46 metrics across more than 180 cities, including cost of healthcare, affordability, things to do and quality of life.

Four key dimensions were measured: affordability (including taxpayer-friendliness and adjusted cost of living); activities (theaters per capita and recreation-friendliness); quality of life (including age-friendly community and mild weather) and healthcare (including care facilities per capita and suicide rate for elders). Each metric was graded on a 100-point scale, with a score of 100 representing the most favorable conditions for retirement.

Here are the 25 best cities for retirement, based on WalletHub’s research.
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25. Reno, Nevada

Total score: 53.51
Affordability rank: 36
Activities rank: 70
Quality of life rank: 11
Healthcare rank: 141
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Golden Gate Bridge with San Francisco Cityscape Close up

24. San Francisco

Total score: 53.95
Affordability rank: 165
Activities rank: 2
Quality of life rank: 36
Healthcare rank: 55
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23. St. Petersburg, Florida

Total score: 54.12
Affordability rank: 19
Activities rank: 42
Quality of life rank: 64
Healthcare rank: 125
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Map of Wyoming USA

22. Casper, Wyoming

Total score: 54.17
Affordability rank: 17
Activities rank: 96
Quality of life rank: 14
Healthcare rank: 119
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21. San Diego

Total score: 54.21
Affordability rank: 152
Activities rank: 3
Quality of life rank: 13
Healthcare rank: 70
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Aerial view of residential neighborhood in South Florida

20. Pembroke Pines, Florida

Total score: 54.39
Affordability rank: 66
Activities rank: 100
Quality of life rank: 21
Healthcare rank: 45
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Pubs and bars with neon lights in the French Quarter, New Orleans USA

19. New Orleans

Total score: 54.44
Affordability rank: 46
Activities rank: 13
Quality of life rank: 134
Healthcare rank: 139
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18. Las Vegas

Total score: 54.51
Affordability rank: 30
Activities rank: 22
Quality of life rank: 53
Healthcare rank: 164
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One of Salt Lake City's light rail lines is under construction. This one will connect the city of Salt Lake with West Valley City and it opened in 2011.

17. West Valley City, Utah

Total score: 54.79
Affordability rank: 86
Activities rank: 28
Quality of life rank: 76
Healthcare rank: 85
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Sioux Falls is the largest city in the U.S. state of South Dakota.

16. Sioux Falls, South Dakota

Total score: 54.80
Affordability rank: 39
Activities rank: 147
Quality of life rank: 95
Healthcare rank: 3
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15. Pittsburgh

Total score: 54.83
Affordability rank: 107
Activities rank: 31
Quality of life rank: 62
Healthcare rank: 20
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Skyline of Salt Lake City, Utah, USA in early spring as the sun sets.

14. Salt Lake City

Total score: 54.88
Affordability rank: 86
Activities rank: 23
Quality of life rank: 119
Healthcare rank: 47
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13. Cincinnati

Total score: 54.94
Affordability rank: 91
Activities rank: 11
Quality of life rank: 92
Healthcare rank: 115
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12. Atlanta

Total score: 55.13
Affordability rank: 48
Activities rank: 6
Quality of life rank: 165
Healthcare rank: 71
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11. Minneapolis

Total score: 55.17
Affordability rank: 146
Activities rank: 14
Quality of life rank: 51
Healthcare rank: 5
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"The Phoenix suburb / satellite city of Tempe, with the Tempe city skyline, Hayden Butte (hill), Tempe Town Lake (part of Salt River), and Mill Avenue Bridge"

10. Tempe, Arizona

Total score: 55.28
Affordability rank: 78
Activities rank: 45
Quality of life rank: 42
Healthcare rank: 52
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beach park in Cape Coral FL

9. Cape Coral, Florida

Total score: 55.48
Affordability rank: 22
Activities rank: 55
Quality of life rank: 20
Healthcare rank: 121
Austin, Texas
View of Austin, Texas downtown skyline

8. Austin, Texas

Total score: 55.78
Affordability rank: 38
Activities rank: 30
Quality of life rank: 52
Healthcare rank: 73
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7. Miami

Total score: 56.50
Affordability rank: 53
Activities rank: 9
Quality of life rank: 120
Healthcare rank: 58
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6. Charleston, South Carolina

Total score: 57.20
Affordability rank: 45
Activities rank: 24
Quality of life rank: 59
Healthcare rank: 68
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5. Fort Lauderdale, Florida

Total score: 57.83
Affordability rank: 76
Activities rank: 4
Quality of life rank: 86
Healthcare rank: 48
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4. Denver

Total score: 58.34
Affordability rank: 114
Activities rank: 16
Quality of life rank: 35
Healthcare rank: 14
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3. Tampa, Florida

Total score: 58.48
Affordability rank: 19
Activities rank: 21
Quality of life rank: 67
Healthcare rank: 79
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"Downtown Scottsdale and suburbs of Phoenix, Arizona, with the White Tank Mountain Range in the background in eerly morning lightMore images from Phoenix:"

2. Scottsdale, Arizona

Total score: 59.36
Affordability rank: 78
Activities rank: 26
Quality of life rank: 4
Healthcare rank: 37
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Downtown Orlando Florida

1. Orlando, Florida

Total score: 60.09
Affordability rank: 7
Activities rank: 7
Quality of life rank: 130
Healthcare rank: 38
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