Retirement – the earlier, the better – is the dream of many Americans; however, financial security can be a real concern, with WalletHub noting in its “2021’s Best States to Retire” article that 26-percent of non-retired adults have no money saved for retirement, though not necessarily through any fault of their own. Finding the where to retire can be just as important as the when.

“Finding the best states to retire can be difficult without doing lots of research,” WalletHub financial writer Adam McCann writes. “Even in the most affordable areas of the U.S., most retirees cannot rely on Social Security or pension checks alone to cover all of their living expenses. Social Security benefits increase with local inflation, but they replace only about 39-percent of their average worker’s earnings.”

To uncover the most retirement-friendly states, WalletHub compared the 50 states across three key dimensions: affordability, quality of life and health care.

Within those dimensions were 45 relevant metrics, which carried different weights. Some of these metrics include general tax-friendliness, annual cost of in-home services, adjusted cost of living, share of population aged 65 and older, risk of social isolation, shoreline mileage, golf courses per capita, family medicine physicians per capita, dentists per capita, among others.

Florida ranked No. 1 overall with a score of 61.09. Across the three dimensions, it was fourth in affordability, sixth in quality of life and 28th in health care.

Here is the top list.

	Total Score	Affordability	Quality of Life	Health Care
1. Florida	61.09	4	6	28
2. Colorado	60.94	13	16	5
3. Delaware	58.69	5	29	22
4. Virginia	58.61	11	7	23
5. North Dakota	57.49	24	18	6
6. Montana	57.35	12	22	15
7. Idaho	57.28	16	11	25
8. Utah	57.11	21	4	26
9. Minnesota	56.33	37	3	2
10. New Hampshire	56.29	30	1	9