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.
25. Reno, Nevada
Total score: 53.51
Affordability rank: 36
Activities rank: 70
Quality of life rank: 11
Healthcare rank: 141
6. San Francisco.jpg
24. San Francisco
Total score: 53.95
Affordability rank: 165
Activities rank: 2
Quality of life rank: 36
Healthcare rank: 55
23. St. Petersburg, Florida
Total score: 54.12
Affordability rank: 19
Activities rank: 42
Quality of life rank: 64
Healthcare rank: 125
22. Casper, Wyoming
Total score: 54.17
Affordability rank: 17
Activities rank: 96
Quality of life rank: 14
Healthcare rank: 119
21. San Diego
Total score: 54.21
Affordability rank: 152
Activities rank: 3
Quality of life rank: 13
Healthcare rank: 70
20. Pembroke Pines, Florida
Total score: 54.39
Affordability rank: 66
Activities rank: 100
Quality of life rank: 21
Healthcare rank: 45
19. New Orleans
Total score: 54.44
Affordability rank: 46
Activities rank: 13
Quality of life rank: 134
Healthcare rank: 139
18. Las Vegas
Total score: 54.51
Affordability rank: 30
Activities rank: 22
Quality of life rank: 53
Healthcare rank: 164
West Valley City.jpg
17. West Valley City, Utah
Total score: 54.79
Affordability rank: 86
Activities rank: 28
Quality of life rank: 76
Healthcare rank: 85
7. Sioux Falls.jpg
16. Sioux Falls, South Dakota
Total score: 54.80
Affordability rank: 39
Activities rank: 147
Quality of life rank: 95
Healthcare rank: 3
15. Pittsburgh
Total score: 54.83
Affordability rank: 107
Activities rank: 31
Quality of life rank: 62
Healthcare rank: 20
3. Salt Lake City.jpg
14. Salt Lake City
Total score: 54.88
Affordability rank: 86
Activities rank: 23
Quality of life rank: 119
Healthcare rank: 47
13. Cincinnati
Total score: 54.94
Affordability rank: 91
Activities rank: 11
Quality of life rank: 92
Healthcare rank: 115
12. Atlanta
Total score: 55.13
Affordability rank: 48
Activities rank: 6
Quality of life rank: 165
Healthcare rank: 71
11. Minneapolis
Total score: 55.17
Affordability rank: 146
Activities rank: 14
Quality of life rank: 51
Healthcare rank: 5
2. Tempe.jpg
10. Tempe, Arizona
Total score: 55.28
Affordability rank: 78
Activities rank: 45
Quality of life rank: 42
Healthcare rank: 52
9. Cape Coral, Florida
Total score: 55.48
Affordability rank: 22
Activities rank: 55
Quality of life rank: 20
Healthcare rank: 121
Austin, Texas
8. Austin, Texas
Total score: 55.78
Affordability rank: 38
Activities rank: 30
Quality of life rank: 52
Healthcare rank: 73
7. Miami
Total score: 56.50
Affordability rank: 53
Activities rank: 9
Quality of life rank: 120
Healthcare rank: 58
6. Charleston, South Carolina
Total score: 57.20
Affordability rank: 45
Activities rank: 24
Quality of life rank: 59
Healthcare rank: 68
5. Fort Lauderdale, Florida
Total score: 57.83
Affordability rank: 76
Activities rank: 4
Quality of life rank: 86
Healthcare rank: 48
4. Denver
Total score: 58.34
Affordability rank: 114
Activities rank: 16
Quality of life rank: 35
Healthcare rank: 14
3. Tampa, Florida
Total score: 58.48
Affordability rank: 19
Activities rank: 21
Quality of life rank: 67
Healthcare rank: 79
10. Scottsdale.jpg
2. Scottsdale, Arizona
Total score: 59.36
Affordability rank: 78
Activities rank: 26
Quality of life rank: 4
Healthcare rank: 37
8. Orlando.jpg
1. Orlando, Florida
Total score: 60.09
Affordability rank: 7
Activities rank: 7
Quality of life rank: 130
Healthcare rank: 38