It is not an easy decision to make about where you will spend the best years of your adult life.

Here’s some assistance from personal finance site WalletHub. They have a brand new report. ranking the best and worst U.S. statesConsider where you would like to retire based on your ability to pay for it, as well as the quality of your life. The list includes some beautiful destinations, such as sunny Florida or mountainous Colorado. However, two of the most populous states in the northeast are at the bottom.

According to WalletHub, New Jersey is the worst place in America for retirement. New York and Mississippi follow close behind. According to WalletHub’s findings, these rankings are influenced by money worries. New York ranks as the least accessible state while New Jersey follows right behind. Mississippi is at the bottom for quality of living.

No surprise, money is an important factor in choosing where you want to retire. Recall that 26% of those who are not in retirement have no plan for their future. according to a 2021 reportFederal Reserve

Nevertheless, Americans have an average of $400,000 to save for their nest. This number is even higher in Connecticut and other states where there are more people. average person has a retirement balanceAbout $520,000

Others are less well equipped to leave the workforce. This is why it is important to look at affordability when looking to relocate. Florida and Virginia are among the top 10 states with the lowest cost of living in the U.S., according to WalletHub.

To get the best out of your golden years, check out WalletHub’s top 10 retirement states: