은퇴 후에도 미국에 머물고 싶은 미국인들은 50개 주 중에서 선택할 수 있습니다. 그것은 어려운 결정일 수 있으며, 이 상태 또는 저 상태를 선택하도록 다양한 권장 사항을 제공하는 연구를 통해 더 쉽게 결정되지 않습니다. 그러나 절대, 절대 다른 하나.

누가 그 모든 것을 정리할 시간이 있습니까? 당신은 은퇴를 위해 저축으로 바쁘다! 다행입니다. 저희가 도와드리겠습니다.

우리는 은퇴하기에 가장 좋은 주와 가장 나쁜 주에 대한 세 가지 상위 연구를 취했고 순위를 하나의 마스터 목록으로 통합했습니다. 우리는 전체적으로 바닥에 있는 16개 주를 카운트다운합니다. 그들을 최악 중 최악으로 생각할 수도 있습니다. 은퇴를 위한 주.

우리의 방법론:우리는 Bankrate, WalletHub 및 Kiplinger의 각 주의 은퇴 순위를 추가하여 가능한 150개 중 점수를 만들었습니다. . 점수가 높을수록 퇴직자에게 불리한 상태입니다.

15. (동점) 알래스카

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점수:99

주 판매 또는 소득세가 없고 아름다운 빙하 전망이 있는 알래스카는 은퇴에 대한 매력이 가득합니다. 하지만 길고 어두운 겨울 날과 굶주린 여름 모기에 익숙해지는 데 시간이 걸립니다.

Bankrate는 알래스카를 날씨 부문에서 꼴찌, 범죄 부문에서 49위를 기록했습니다. 알래스카의 공공 안전부는 2013년부터 2017년까지 주의 폭력 범죄율이 34%, 재산 범죄율이 22% 증가했다고 보고했습니다.

또한 알래스카로 은퇴하면 대부분의 품목에 대해 더 많은 비용을 지불해야 합니다. 왜냐하면 그것들은 북쪽으로 운송되어야 하기 때문입니다. Kiplinger는 알래스카의 생활비가 미국 평균보다 32% 높다고 말합니다.

지역 주민들은 알래스카에서 살아남기 위해 다음과 같은 조언을 합니다. 값싸고 신선한 알래스카산 생선을 구입하고 긴 존을 가져오세요. 당신은 그들을 필요로 할 것입니다. 은행에 있는 많은 돈과 함께.

15. (동점) 오클라호마

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점수:99

탁 트인 하늘을 가로지르는 장엄한 일몰, 따뜻한 날씨, 토요일에 치킨 프라이드 스테이크와 대학 미식축구의 단순한 즐거움을 상상해 보십시오. 오클라호마에서 은퇴하는 것이 그렇게 나쁘지는 않습니다.

주는 또한 생활비가 저렴하고 사회 보장에 대한 세금이 없으며 주의 소득세에서 최대 $10,000의 기타 퇴직 소득을 공제할 수 있습니다.

절충안은 Bankrate와 Kiplinger가 모두 은퇴한 의료 서비스를 위해 주를 최하위권에 두었다는 것입니다. Kiplinger는 오클라호마 노인들 사이에서 흡연과 신체 활동이 거의 없으며 양질의 요양원이 부족하다고 말합니다.

게다가 오클라호마는 미국에서 평방 마일당 토네이도 확률이 가장 높습니다. 실제로 한 연구에 따르면 오클라호마 중부가 미국에서 가장 높은 트위스터 확률이 있는 것으로 나타났습니다. 여기서 은퇴 부동산을 구입할 계획이라면 좋은 보험이 필요합니다.

14. 오리건

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1NTF9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMTAyfX19 배"> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1MTZ9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJt ZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDMyfX19 배 "> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo2OTZ9fX0=, HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIs ImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo5MzZ9fX0 =https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzNfMTIwMHg1MDBfdjIwMTkwMzIwMTQyMTQ0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDgwfX19, HTTPS / / images.moneywise.com/eyjidwnrzxqioijtzwrpytubw9uzxl3axnllmnvbsisimtlesi6imevndc0os90agutd29yc3qtc3rhdgvzlwzvci15b3vycjlwzlyzw1lbnqtaw4tmjaxov9mdwxsx3dpzhroxznfmtiwmhg1mdbfdjiwmtkwmziwmtq. yMTQ0LmpwZyImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 2x">

점수:106

멋진 태평양 해안선, 500개 이상의 현지 와이너리 및 양조장, 손끝에서 즐길 수 있는 신선한 농산물이 있는 오리건주는 건강하고 야외 활동을 즐기는 은퇴 생활 방식을 제공합니다.

그러나 생활비는 미국 평균보다 18% 높다고 Kiplinger는 말합니다. 전국 부동산 중개인 협회(National Association of Realtors)에 따르면 인기 있는 포틀랜드에서 2018년 말 기존 단독 주택의 중간 판매 가격은 가파른 $389,000였습니다.

빌리는 게 낫다고 생각하세요? 전국 저소득 주택 연합(National Low Income Housing Coalition)의 보고서에 따르면 오레곤의 평균 정규직 임금을 받는 사람들은 그 주에서 침실 1개짜리 아파트를 살 여유가 없습니다.

그리고 2012년에 오리건의 공중 보건 시스템에 19억 달러의 연방 기금이 투입되었음에도 불구하고 주는 여전히 환자 비용을 낮추고 더 나은 치료를 제공하기 위해 고군분투하고 있습니다. Bankrate에 따르면 오리건 주의 의료 품질은 미국에서 9번째로 최악입니다.

12. (동률) 아칸소

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점수:113

알칸사스의 공원, 호수, 따뜻한 여름은 은퇴 후 활동을 계속할 수 있습니다. 모기가 먼저 당신을 잡아먹지 않는다면!

플러스 측면에서, Arkansas는 미국에서 생활비가 가장 저렴한 주 중 하나이며 기존 단독 주택에 대해 지불되는 일반적인 가격은 $150,000 미만입니다.

소셜 시큐리티는 과세되지 않으며 6,000달러의 기타 퇴직 소득도 비과세됩니다. 그러나 Kiplinger는 Arkansas 노인의 10% 이상이 빈곤 속에 살고 있다고 말합니다.

그리고 의료 서비스는 Arkansas에서 저렴할 수 있지만 Bankrate는 그 주가 의료 품질 면에서 미국에서 최악이라고 말합니다. WalletHub는 노인의 전반적인 삶의 질에서 49위를 차지했습니다.

12. (동률) 버몬트

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점수:113

놀라운 단풍, 환상적인 파머스 마켓, 장관을 이루는 스키로 유명한 북동부의 작은 주에는 또한 당신의 영혼과 차를 파괴할 악명 높은 진흙 시즌이 있습니다.

버몬트 주의 높은 생활비를 비롯한 여러 이유로 이 목록을 작성했습니다. WalletHub는 이곳이 미국에서 가장 물가가 저렴한 주임을 발견했으며 Kiplinger는 생활비가 전국 평균보다 12% 높다고 말했습니다.

버몬트는 또한 은퇴자들에게 미국에서 가장 가혹한 세금을 부과합니다. 소득이 싱글 신고자의 경우 $45,000 이상 또는 부부의 경우 $60,000 이상인 경우 사회 보장 연금 및 대부분의 기타 퇴직 소득에 대해 과세됩니다.

버몬트의 물가와 세금으로 인해 몸이 아프다면 좋은 의료 서비스를 받을 수 있다는 장점이 있습니다. Bankrate는 의료 품질 부문에서 주를 2위를 차지했습니다.

11. 켄터키

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1NTF9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMTAyfX19 배"> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1MTZ9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJt ZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDMyfX19 배 "> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo2OTZ9fX0=, HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIs ImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo5MzZ9fX0 =https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzZfMTIwMHg1MDBfdjIwMTkwMzIwMTQyNjAzLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDgwfX19, HTTPS / /Images.moneywise.com/eyjidwnrzxqioijtzwrpytubw9uzxl3axnllmnvbssimtlesi6imevndc0os90agutd29yc3qtc3rhdgvzlwzvci15b3vylxjldglyzw1lbnqtaw4tmjaxov9mdwxsx3dpzhroxzzfmtiwmhg1mdbfdjiwmtkwmziwmtq. yNjAzLmpwZyImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 2x">

점수:114

켄터키는 자유롭게 흐르는 버번과 장관을 이루는 레드 리버 협곡(Red River Gorge)의 본고장이며, 주에서는 매년 미인 대회와 맥박이 빨라지는 켄터키 더비(Kentucky Derby)의 흥분을 제공합니다.

이곳의 생활비는 평균보다 14% 낮고 사회 보장 혜택과 최대 $41,110의 퇴직 소득은 과세되지 않습니다. 하지만 좋은 소식은 여기서 끝입니다.

이 예쁜 블루그래스는 꽃가루를 많이 발산하여 켄터키는 미국 알레르기의 수도로 알려져 있습니다. 또한 "압도적인 습도" 부문에서 1위를 차지했습니다.

켄터키는 건강 관리 품질에서 낮은 점수를 받았으며 정부는 2019년 전국적으로 Obamacare 건강 보험 가격이 하락했지만 보험료는 9% 증가했다고 정부에서 밝혔습니다.

9. (동률) 캘리포니아

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1NTF9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMTAyfX19 배"> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1MTZ9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJt ZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDMyfX19 배 "> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo2OTZ9fX0=, HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIs ImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo5MzZ9fX0 =https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzdfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMTIxLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDgwfX19, HTTPS / / images.moneywise.com/eyjidwnrzxqioijtzwrpyteubw9uztimtlesi6imevndc0simtlesi6imevndc0oS90AgUtd29yc3qtc3rhdgvzlwzvci15b3vylxjldglyzw1lbnqtaw4tmjaxov9mdwxsx3dpzhroxzdfmtiwmhg1mdbfdjiwmtkwmziwmtq. zMTIxLmpwZyImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 2x">

점수:115

여유가 된다면 캘리포니아의 해변, 포도원, 도시를 탐험하며 은퇴한 날을 보내는 것이 좋을 것 같습니다.

우선 생활비는 전국 평균보다 무려 52%나 높습니다. 캘리포니아는 또한 사회 보장 이외의 모든 퇴직 소득에 세금을 부과하며 건강 저축 계좌에 대한 기부금에도 세금을 부과하는 단 두 개 주 중 하나(다른 하나는 뉴저지)입니다.

한편, 주택 가격은 천문학적입니다. 캘리포니아 부동산 중개인 협회(California Association of Realtors)가 보고한 바에 따르면 2018년 5월 주 전체의 중간 주택 가격이 사상 처음으로 $600,000를 넘었습니다.

Edelman Intelligence가 2019년 1월에 실시한 설문 조사에 따르면 캘리포니아 주민의 53%가 높은 비용을 피하기 위해 주를 떠날 생각을 하고 있다는 사실이 놀라운 일이 아닙니다.

9. (동점) 일리노이

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzhfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMzI0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1NTF9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzhfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMzI0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMTAyfX19 배"> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzhfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMzI0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1MTZ9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJt ZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvNDc0OS90aGUtd29yc3Qtc3RhdGVzLWZvci15b3VyLXJldGlyZW1lbnQtaW4tMjAxOV9mdWxsX3dpZHRoXzhfMTIwMHg1MDBfdjIwMTkwMzIwMTQzMzI0LmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDMyfX19 2x">

Score:115

Chicago is Illinois’ cultural hotspot, but the state also has peaceful suburbs, a wine trail and beautiful lakes and cottages just right for retirees seeking to unwind.

The state doesn’t tax Social Security, 401(k)s or IRAs, and it's fairly affordable. Living costs are 4% below the national average, Kiplinger says.

So why is the Prairie State among the worst? Property taxes are nearly triple what you'd pay in next-door Indiana for a home of the same size. State and local sales taxes add as much as 11% to the cost of a purchase.

State budget issues have left Illinois with some of the worst roads in the country — and if the notoriously wacky local drivers don’t kill you, the freezing, monthslong winter might just finish the job.

8. West Virginia

Score:118

West Virginia offers endless active outdoor pursuits, natural mineral springs and spas — and some of the lowest living costs and health care costs in the U.S.

The trade-off comes at tax time. Social Security income gets taxed along with retirement income above $8,000 per year.

Plus, while health care is affordable, West Virginia has some of the worst patient outcomes nationally. WalletHub ranks it the No. 49 state for health care, and Bankrate puts it at the very bottom for the overall well-being of seniors.

Even sadder, the state’s dying coal industry and limited business opportunities mean entire towns and public infrastructure are literally crumbling into dust across the Mountain State.

7. Connecticut

Score:119

Folks appreciate Connecticut for its small-town charm and its gorgeous displays of autumn leaves. But as one resident said recently on Reddit:“There's a lot to love. Sadly the future looks awful.”

This New England state has been struggling with huge budget deficits, which have resulted in cuts to government services and Medicaid.

WalletHub says Connecticut is the nation's third worst state for affordability, and Bankrate ranks it No. 44 for taxes. Seniors are taxed on their Social Security and other income, says Kiplinger, and residents pay the second-highest real estate taxes in the U.S.

The economic negatives simply outweigh the positives for many. Younger generations and families are moving away from Connecticut in search of a better quality of life.

6. New Jersey

Score:125

It sounds like New Jersey's got 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. It has the fifth-highest cost of living in the nation, and health care costs are exorbitant. Despite that, health care access is uneven and health care outcomes are not great.

Homeowners pay America's highest property taxes and then have to contend with terrible traffic, serious urban crowding, harsh winters and the worst fiscal outlook in the nation.

As one New Jerseyan put it on Reddit:“The towns are cute and there’s more nature than you can shake a stick at — but I can’t afford to retire here.”

5. Rhode Island

Score:127

The Ocean State has more than 100 beaches and all the seafood and nightlife you could want in your retirement. Rhode Island also scores high for safety and culture.

But move to this small state and you can expect to be looking at big price tags, because the cost of living is a stiff 22% above the U.S. average, Kiplinger says.

Thanks to government bumbling, the state also has some of the highest electricity prices, worst road infrastructure and steepest taxes in the nation. Plus, medical costs can be downright painful.

One former resident calls Rhode Island's living costs "insane" in a Reddit post, adds that "despite all the negatives, the state just oozes charm" — and then closes with:"I'd never, ever move back."

4. 루이지애나

Score:131

The people in Louisiana are lovely, the food scene is fantastic, the music is amazing, and the natural surroundings are awe-inspiring. With a cost of living 10% below the national average, you might be tempted to move on in.

Resist the urge.

While you won’t get frostbite here, you might just melt in the crushing humidity. And forget using Louisiana's famously cheap electricity to run your A/C, because electricity costs are going up and could rise 40% over the next decade.

Sales taxes can be as high as 11.45%, the state's murder rate is the worst in the nation, and Louisiana scores low for health care quality. And don't forget the hurricanes.

Better tell Louisiana, "Later, alligator." (The state has those, too.)

3. 뉴멕시코

Score:132

New Mexico is packed full of culture, zany local festivals and amazing food. Its rugged beauty will tug at your heartstrings to stay a while longer — but it might be best just to visit.

Social Security, retirement account distributions and pension payouts are all taxed by the state. While health care costs are in the bottom 20% nationally, health care outcomes also are in the lowest part of the stack.

The state's poverty rate among seniors is the third highest in the nation, at 11.9%, Kiplinger says. And maybe Breaking Bad was onto something:New Mexico is the worst state for crime, says Bankrate.

Take it from a local on Reddit who moved from Albuquerque to New Mexico's East Mountains:“It’s really beautiful out here, but it’s heartbreaking how very poor this state is.”

2. New York

Score:136

The Big Apple is glitzy, but you might enjoy settling in a charming suburb far north of New York City, near mountains, lakes and wineries. If you can afford it, that is.

New York state is 22% above the average cost of living nationwide, Kiplinger says — and that's cheap compared to Brooklyn (82% above the norm) and Manhattan (a staggering 138.6% above).

Bankrate ranks the Empire State No. 50 for affordability and No. 49 for taxes. And here's another reason to stay away in retirement:Nursing home costs throughout New York are among the highest in the country, according to Seniorliving.org.

New York doesn't tax Social Security, and up to $20,000 in retirement income can be excluded from the state's income tax. But the tax breaks for retirees probably won't be enough to lighten the financial burden of living here.

1. Maryland

Score:137

Maryland is steeped in history and culture; it offers great golfing, mountains, beaches; and you're never far from a major population center. So why is it the worst place for your retirement?

First, your scenic drive to the beach might be ruined by some of the most congested roads in the country, or a surprise tornado, or a winter storm blasting in off the Atlantic.

As a retirement destination, both Bankrate and Kiplinger rank Maryland the No. 48 state, and WalletHub ranks it No. 41 — adding up to our high score of 137 out of a possible 150.

You could find your retirement savings demolished by the state's high cost of living (17% above average), its taxes on IRAs, and its above-average health care costs. "Retirees in Maryland are bound to be crabby," Kiplinger says — and it's no wonder.

How we rank all 50 states

Here's how our analysis ranks all 50 states as retirement destinations, going in order from the worst to the best. In several cases, states tied for spots in our ranking because they had the same composite scores from the three studies we looked at:

50. 메릴랜드
51. New York
52. New Mexico
53. Louisiana
54. Rhode Island
55. New Jersey
56. Connecticut
57. West Virginia
58. (tie) Illinois
59. (tie) California
60. Kentucky
61. (tie) Arkansas
62. (tie) Vermont
63. Oregon
64. (tie) Alaska
65. (tie) Oklahoma
66. (tie) Indiana
67. (tie) Nevada
68. 워싱턴
69. (tie) Massachusetts
70. (tie) Mississippi
71. (tie) Kansas
72. (tie) Wisconsin
73. Ohio
74. (tie) Minnesota
75. (tie) Montana
76. (tie) South Carolina
77. (tie) Arizona
78. (tie) Georgia
79. Alabama
80. Maine
81. 미시간
82. Tennessee
83. 텍사스
84. (tie) Nebraska
85. (tie) North Carolina
86. 펜실베니아
87. Hawaii
88. Missouri
89. Delaware
90. North Dakota
91. Colorado
92. Iowa
93. Wyoming
94. Idaho
95. Virginia
96. Utah
97. New Hampshire
98. 플로리다
99. South Dakota

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