따라서 미국에서 은퇴하고 싶다는 확신이 있지만 근무 년 후 정확히 50개 주 내에서 어디에 정착할 예정입니까?
매년 여러 연구에 따르면 은퇴하기에 가장 좋은 주와 최악의 주를 알 수 있습니다. 그러나 그들은 거의 동의하지 않으므로 그들의 권장 사항을 비교하고 자신의 결론을 도출해야 합니다. 당신이 퇴직금을 제곱해 두는 동안 누가 그럴 시간이 있습니까?
글쎄, 우리는 당신의 뒤를 가지고 있습니다. 복잡한 은퇴 연구를 없애기 위해 우리는 연간 주정부 순위 중 3개를 가져와 기본적으로 하나의 마스터 목록으로 평균화했습니다. 다음을 최악 중 최악으로 생각할 수 있습니다. 은퇴를 위한 주 — 맨 아래에 있는 주까지 카운트다운합니다.
우리의 방법론:Bankrate, WalletHub 및 MoneyRates의 각 주의 은퇴 순위를 추가하여 가능한 150개 중 점수를 만들었습니다. . 점수가 높을수록 은퇴 대상 국가 순위가 낮아집니다.
점수:74
콜로라도는 멋진 풍경, 신선한 산 공기, 양조장, 스키, 대도시 편의 시설 및 작은 마을의 매력을 제공합니다.
의료의 질이 높고 전반적인 삶의 질이 높습니다. 그렇다면 Centennial State에 대해 사랑하지 않을 것은 무엇입니까? (국가 건국 100년인 1876년에 국가가 되었기 때문에 별명이 붙었습니다.)
Bankrate는 콜로라도의 생활비가 높은 편이라고 말합니다. 전국 부동산 중개인 협회(National Association of Realtors)에 따르면 2019년 말 덴버의 중간 주택 가격은 비교적 가파른 $458,000였습니다. 또한 AARP는 주가 할 수 있는 13개 중 하나라고 말합니다. 사회 보장 혜택에 세금을 부과하십시오.
콜로라도는 종종 혹독한 날씨로 인해 최악의 주에 속합니다. "폭풍우와 함께 시속 70마일의 바람이 부는 것은 드문 일이 아닙니다."라고 콜로라도 거주자 John Jamieson은 Quora에 씁니다.
점수:75
펜실베니아는 꽃이 만발한 봄, 덥고 습한 여름, 쾌적하고 다채로운 가을, 정직한 겨울이 있는 살기 좋은 4계절 기후입니다.
Keystone State는 양쪽에 메이저리그 도시가 있고 그 사이에 많은 아름다운 국가가 있습니다. 피츠버그에는 샌프란시스코 스타일의 언덕, 많은 역사 및 훌륭한 엔터테인먼트 옵션이 있습니다. 필라델피아는 또한 풍부한 역사와 함께 최고 수준의 의료 서비스, 훌륭한 대중 교통, 주요 국제 공항 및 걷기 좋은 지역을 제공합니다.
그러나 Bankrate와 WalletHub에 따르면 펜실베니아는 다른 많은 주만큼 저렴하지 않습니다. 여기에서 은퇴 자금을 늘리는 데 도움이 되도록 재무 설계사와 협력하고 싶을 것입니다.
한 Reddit 사용자는 "피츠버그의 세금은 비싸다. "그리고 펜실베니아의 세금은 전체적으로 매우 형편없습니다. 도시에서 멀어질수록 세금은 줄어들지만 부동산 가격은 올라가는 것 같아요."
점수:77
메인의 매력적인 커뮤니티와 아름다운 풍경은 이곳을 이상적인 은퇴 장소로 만들 수 있습니다. Pine Tree State는 조용한 시골 목초지, 울창한 숲, 멋진 해안선, 그리고 미국에서 가장 안전한 도시와 마을을 제공합니다.
그러나 물가 상승은 퇴직자들의 은행 계좌에 부담을 주고 있으며 종종 가혹한 기후를 기꺼이 감수해야 합니다.
Bankrate는 40종 이상의 모기를 낳는 습한 여름과 길고 춥고 눈이 많이 내리는 겨울을 포함하여 날씨에 대해 메인주를 50개 중 48위로 평가했습니다.
Mainer Crystal Laplant는 Quora에서 "제설 작업에 약간의 도움을 받고 스노우 타이어를 구입하고 날씨에 따라 집을 평가할 계획을 세우고 난방비보다 더 많은 비용을 지불할 계획입니다."라고 씁니다.
점수:77
사우스 캐롤라이나는 멋진 해변, 좋은 골프, 아름다운 시골 드라이브, 그리고 많은 남부 역사를 자랑합니다.
그러나 Palmetto State는 은퇴자들에게 몇 가지 단점, 즉 건강 관리 및 생활 수준 측면에서 단점이 있습니다.
Bankrate는 사우스 캐롤라이나가 노인의 건강 면에서 꼴찌를 기록하고 있고 WalletHub는 삶의 질 면에서 낮은 점수를 받고 있다고 말합니다.
모든 사람이 달콤한 차를 마실 수 있는 것은 아니지만 날씨로 인해 주는 좋은 평가를 받습니다. Reddit 사용자 superflippy는 "여름의 더위는 정말 어마어마합니다."라고 말합니다. "당신이 사는 곳마다 에어컨이 좋은지 확인하십시오."
점수:77
켄터키는 자유롭게 흐르는 버번과 장관을 이루는 레드 리버 협곡(Red River Gorge)의 고향이며, 켄터키 더비(Kentucky Derby)의 경이로움과 맥박이 빨라지는 흥분으로 매년 국제적 관심을 끌고 있습니다.
비용과 범죄율은 낮지만, WalletHub는 Bluegrass State의 의료 및 전반적인 삶의 질이 열악하다고 말하기 때문에 은퇴하기에 가장 최악인 켄터키 50위를 선정했습니다.
그리고 그 예쁜 풀은 꽃가루를 많이 내뿜어서 켄터키는 미국의 알레르기 수도로 알려져 있습니다. 또한 "압도적인 습도" 부문에서 1등을 차지했습니다.
이곳의 삶의 속도는 느릴 수 있습니다. Kentuckian Tiffany Bridgeman에게는 너무 느릴 수 있습니다. Quora에서 "누군가 배관 공사를 하러 나오길 바란다면 월요일에 전화를 걸어 아마도 누군가를 불러야 할 것입니다. 금요일이나 다음주 화요일에 갑니다. 의사의 진료를 받는 데 한 달이 걸리고 리필을 요청하는 데 일주일이 걸립니다."
점수:78
영화나 TV 시리즈 Fargo를 본 사람이라면 노스다코타의 겨울은 잔인할 수 있습니다. 은퇴 후 많은 시간을 스웨터와 담요 속에 파묻혀서 보내고 싶습니까?
Bankrate에 따르면 이곳의 날씨는 알래스카 다음으로 은퇴자들에게 최악입니다.
"할아버지는 노스다코타에 두 계절이 있다고 농담을 하곤 했습니다. 이 겨울과 마지막 겨울"이라고 Quora 논평자 Raymond M. Baesler는 말합니다. 그는 노스다코타 주 미노트에서 5년 동안 살았습니다.
추위를 견딜 수 있다면 노스다코타주는 노인들에게 몇 가지 이점이 있습니다. 주에서 사회 보장 혜택에 세금을 부과하는 경우도 있지만 이곳에서의 생활비는 낮고 주의 의료 시스템 점수는 높습니다.
점수:78
미국 부동산 중개인 협회(National Association of Realtors)에 따르면 웨스트 버지니아의 산악 지역은 풍부한 야외 활동, 천연 미네랄 온천, 스파를 제공하며 미국에서 가장 낮은 생활비를 자랑하는 곳 중 하나입니다. /P>
MoneyRates에 따르면 플로리다주는 플로리다와 메인에 이어 65세 이상 거주자의 비율이 가장 높은 주 중 하나이기 때문에 여기서 은퇴하기로 결정하면 많은 친구를 사귈 수 있습니다.
여기에 웨스트 버지니아의 노인들을 위한 또 다른 장점이 있습니다. 주에서 사회 보장 혜택에 대한 세금을 3년 동안 단계적으로 폐지하기 시작했습니다.
그러나 의료 서비스가 저렴한 반면 웨스트 버지니아는 전국적으로 최악의 환자 결과를 보입니다. WalletHub는 의료 품질 부문에서 주 중 꼴찌를 기록했으며 Bankrate는 노인 건강 부문에서 50개 주 중 39위를 기록했습니다.
Score:80
If you’re willing to cheer for Boston no matter the sport, and if you're seriously into American history, Massachusetts could be a perfect retirement location.
The state is well known for its excellent health care, but costs can be high and winters can be rough. Homes in metro Boston are selling for a median $482,800, and winter snowfall totals across Massachusetts typically hit 100 inches.
"As you get older, you will have to figure out how somebody besides you is going to shovel you out of your house in the winter so you don’t risk a heart attack doing it," writes former Massachusetts resident Anne Agard, on Quora.
But when temperatures drop below freezing, you can always warm up by having a bowl of Boston clam chowder, a local delicacy.
Score:88
Tennessee might the ideal spot for music fans to settle down. But the Volunteer State also hits a few sour notes as a potential retirement destination.
It boasts two cities that helped define the music industry:Nashville is the center of the universe for country music, and Memphis is home not only to bluesy Beale Street but also to Graceland, Elvis Presley’s iconic estate.
Additionally, the state gives us Tennessee barbecue, a dry-rub style that will tickle any foodie’s taste buds. Plus, it scores well for affordability. In Knoxville, the median selling price for a home is just $209,400.
But WalletHub ranks the state 48th for quality of life, and FBI data shows Tennessee is among the worst states for violent crime.
Score:92
Though Georgia covers over 59,000 square miles, most of its population is concentrated in the northern part of the state, around Atlanta.
Residents in that densely populated and often congested area have city living, major league sports, a major international airport, sedate rural areas and the ocean all within reach.
But it can be harder to find things to do across much of the rest of Georgia. Bankrate ranks the Peach State all the way down at No. 45 when it comes to culture.
The state's weather extremes can be a challenge, too. "Our weather in North Georgia is just about freezing or below at times and at 98 or above at times," writes Georgian Ellen Lawson, on Quora. Blizzards, tornadoes and hurricanes are all common in the Peach State.
Score:92
If you retire to Mississippi, you'll be greeted by generally warm, pleasant weather, delicious Southern cooking, the lovely flowering trees that give the Magnolia State its name, and a very low cost of living.
But while you won't have to spend much here, Mississippians don't earn much either. It's a poor state with the lowest median household income, according to recent census data:$42,781.
The retirement research studies rank Mississippi near the bottom for both quality of life and health care, and the state doesn't score well for cultural amenities either.
"It's extremely slow and feels like it's behind the times," says former resident Marla Jackson, on Quora. "There isn't a lot to do (at least where I lived in Southwest Mississipi)."
Score:97
Those who retire to Minnesota can expect to find excellent medical care (the Mayo Clinic is based here) fun festivals and fairs throughout the year — and chilly winters that seem to last forever.
"Minnesota does have long winters," writes Minnesotan Alicia Bayer, on Quora. They are brutally cold (far below zero many days of the year) but they also stretch on. The first snow often hits in October and it's not unheard of to have the last snow in May. It gets old."
While Minnesota gets low marks for its punishing weather, WalletHub names it the No. 1 state for both quality of life and health care.
But the cost of living is relatively high here, and Minnesota collects taxes on retirement income. Social Security is taxed for some beneficiaries, but the state legislature is considering whether to end that practice.
Score:102
Chicago is Illinois’ cultural hotspot, but the state also features peaceful suburbs, a wine trail, and beautiful lakes and cottages just right for retirees seeking to unwind.
So why is the Prairie State among the worst for retirees? The state is not considered very affordable. Illinois property taxes are notoriously high, and state and local sales taxes add as much as 11% to the cost of a purchase.
Plus, it's not the most healthy state:Bankrate says Illinois ranks 49th for wellness. (Maybe that has something to do with the popularity of deep-dish pizza here?)
And we haven't even mentioned the weather. Summers bring high temperatures and humidity, and the winters are known for their bone-chilling cold and biting snowstorms. "The best place to be in Illinois is leaving," says former resident Mark Madison, on Quora.
Score:103
Connecticut is known for its small-town New England charm and its spectacular shows of color during the season for autumn leaves.
Retirees will appreciate the Nutmeg State's high-quality health care, which is reflected in the high level of wellness among Connecticut seniors.
But prices and taxes can be stiff here, so to get by in Connecticut you'll need the help of a financial planner. Those services are more affordable than you might think and are even available online now.
Connecticut resident David Dill writes, on Quora, "Taxes are very high. Between car taxes, gas taxes, income taxes, property taxes, estate taxes, corporate taxes it just never ends." Older residents are getting some relief, as the state is phasing out its tax on Social Security and other retirement income.
Score:108
Nature lovers are drawn to Oregon for its snowcapped mountains, misty forests, crystal-clear lakes, alluring Pacific coastline and magnificent rivers and waterfalls. Other attractions include the state's hundreds of wineries and breweries — and the famously weird hipster culture in Portland.
But Oregon's popularity is helping to drive up costs, making the Beaver State an expensive retirement destination. The three retirement research studies we looked at give Oregon low marks for affordability.
The median selling price for a house in the Portland metro area is a not-cheap $410,900. Think you'd rather rent? A report from the National Low Income Housing Coalition found renters earning an average full-time wage can’t afford a one-bedroom apartment in Oregon.
"If you want to retire in Portland, I hope you are making good money in your retirement," says former longtime Portland resident Geoff Arnold, writing on Quora. "No, seriously, if you aren’t clearing around 4–5 grand a month — forget it."
Score:112
In Louisiana, the people are lovely, the food scene is fantastic, the music is amazing, and the natural surroundings are awe-inspiring. Sounds like a fabulous place to retire, right? You may want to think twice.
Sales taxes can be as high as 11.45%, the state's murder rate is the highest in the nation, and Louisiana scores poorly for health care quality.
"I've lived here all my life and i HATE IT," says Quora user Delani Lass. "It is horribly hot in the summer. (100 degrees with 100% humidity) Summer lasts from April until September/October. It gets cold once a week for two whole days, then it warms back up."
And don't forget about the hurricanes.
Score:116
California offers retirees beaches, mountains, wine areas, and bustling cities bursting with cultural amenties. And all of those things come with high price tags.
Bankrate says it's the one of the least affordable states, and the astronomical housing prices are a major reason. The California Association of Realtors says the median selling price for a single-family home statewide is close to $600,000.
California doesn't tax Social Security, but all other types of retirement income are fair game. Depending on where you're shopping, the sales tax can be as high as 10.25%.
More than half (53%) of Californians think about fleeing the state to get away from the high costs, a 2019 survey by Edelman found.
Score:118
New Mexico is known for its colorful Southwestern culture, its zany local festivals and its amazing Mexican-inspired food. The state's rugged beauty will beg you to stay and settle down — but it might be better to just visit.
Social Security, retirement account distributions and pension payouts are all taxed here, and WalletHub says the state nicknamed the Land of Enchantment gives retirees a substandard quality of life.
"New Mexico is a relatively poor state so prices for land and houses are low, as is the general cost of living, but this also means a relative paucity of amenities," says Quora commenter William Hembree. "Albuquerque is the only really large city if you’re looking for a more urban lifestyle."
And maybe the producers were right to choose New Mexico as the setting for Breaking Bad and Better Call Saul , because Bankrate says the state is one of the worst for all types of crime.
Score:119
The relatively tiny Ocean State offers more than 100 public beaches, delicious seafood and loads of history to keep you engaged in your retirement. Rhode Island also scores high for safety and culture.
But the state is no bargain. A one-bedroom apartment in downtown Providence rents for more than $1,500 a month, according to the cost-of-living website Numbeo, and a three-bedroom goes for more than $1,900, on average.
Health care is so-so, and the medical costs can be downright painful. So can a drive on one of Rhode Island's major roads, because 79% are in poor or mediocre condition, according to the transportation research group known as Trip.
Quora user Cole Rinne says the weather isn't great either:"Like most of New England, Rhode Island has some gnarly weather. It is cold in the winter and gets very humid in the summer. Being such a small state it is impossible to get very far from the coast and flooding and hurricanes/noreasters is a problem."
Score:120
New Jersey might sound like a place with everything you’d want for your retirement:beaches; greenery (it is the Garden State, after all); great shopping and restaurants; casinos and golf courses; and your pick of small towns, suburbs or cities to settle in.
The main problem for retirees is that New Jersey is so expensive; both Bankrate and WalletHub put it near the bottom for living costs. In the Newark metro area, the median selling price for a home is close to $400,000.
"Property taxes in New Jersey are particularly high, as is the cost of real estate. There’s a reason why many New Jersey residents move to other states after they retire," writes former New Jerseyan Tom Coughlin, on Quora.
When you live in Jersey, you also have to contend with terrible traffic, serious urban crowding, and winters that can be unbearably cold, especially in the northern reaches of the state.
Score:121
The Evergreen State truly lives up to its name, with parks, mountain ranges and hiking trails throughout. Oh, and did we mention it has one of the best coffee scenes in the world? Maybe it's no wonder Washington scores high for quality of life.
Washington’s fantastic lifestyle comes at a cost, however:It's one of the most expensive states to live in. In metro Seattle, homes are selling for a median price of $528,800.
Though Washington is one of nine states with no income tax of their own, people who live here say the trade-off is you can expect to pay stiff sales and property taxes.
Rainy, overcast weather is another common source of complaints. "From November to February the sun actually never comes up. Not literally, but sunrise is around 8 a.m. and sunset is before 5 p.m., and it's constantly cloudy, so it just feels like perpetual night for three or four months," writes Quora's Dyonysos Larson.
Score:129
Roll the dice on a retirement in Nevada if you love gambling and nightlife. Las Vegas and Reno are known for their casinos offering slots, table games, buffets that go on for miles, and world-class shows. If all of that appeals to you, you won't be bored living here.
The Silver State also offers a warm climate and gorgeous natural attractions, including the breathtaking Valley of Fire. Nevada is considered tax-friendly for retirees, particularly since it's another of the states without a state income tax.
But it rates low for health care, the wellness of its seniors, and their overall quality of life.
"Don’t go TOO far from the population centers if you need complex medical treatments," warns Nevadan Burt Andrews, on Quora. "Most small towns here have basic medical services, but the complex stuff is concentrated in the two population centers [Las Vegas and Reno]."
Score:129
Not only does Alaska not have a state income tax, but there's not sales tax either. And, in fact, they pay you to live here. Every resident receives some money annually from Alaska's oil wealth fund, which paid out $1,606 to each adult and child in Alaska in 2019.
With its mountains, fjords and beautiful glacier views, Alaska packs plenty of retirement appeal — but the long, dark winter days and ravenous summer mosquitoes will take some getting used to.
Bankrate ranks Alaska in last place for weather, and second from the bottom for crime. The most recent data from the Alaska Department of Public Safety shows the state's violent crime rate in 2018 was the worst in five years.
Also, you'll pay more for most items in Alaska, because merchandise must be transported up north. If you move here, you'll need long johns — and a lot of retirement money in the bank.
Score:135
Maryland was our very worst state for retirement in 2019, and the governor didn't disagree when he was asked about our last-place ranking.
This time out, the state is only a notch better, despite the many amenities that Maryland has to offer:history and culture; great golfing, mountains and beaches; a major population center within the state (Baltimore) and another one close by (Washington, D.C.).
The high cost of living here and high taxes are what make this state a less-than-ideal retirement destination. While it doesn't tax Social Security, Maryland does tax IRA distributions and some income from 401(k) plans and pensions.
"Unless you spent your life living somewhere with an equal or higher cost of living, you might not have the retirement funds to support living here," warns Quora user Casian Holly. "Even if you do, you're much less likely to recover from a financial crisis here than somewhere with a lower cost of living."
Score:138
In retirement, if you can make it here — well, you'll deserve a huge congratulations, because it's not easy.
The Empire State is the worst state for retirement, according to our composite scores based on the rankings from Bankrate, WalletHub and MoneyRates.
The big issue is that it's so expensive to live in New York, which the studies identify as America's least affordable state. In glitzy New York City, one-bedroom apartments rent for an average of about $3,300 a month . You'll need a lot of savings and a financial planner you can turn to.
New York state residents pay the highest state and local taxes, the Tax Foundation says. Though up to $20,000 in retirement income can be excluded from the state's income tax, the tax breaks for retirees probably aren't enough to lighten the financial burden of living here.
Here's how our analysis ranks all 50 states as retirement destinations, going in order from the best to the worst. In several cases, states tied for spots in our ranking because they had the same average rank in the three studies we looked at: