For most Americans, retirement generally occurs at the time they can start receiving Social Security or retirement benefits, according to a report released Monday by WalletHub, a personal finance website.

For those whose finances in retirement is a big concern, relocating to a state that lets them keep more money without requiring a major lifestyle change is worth considering. But finding that place can be onerous. To help retirees find a safe, enjoyable and wallet-friendly place to call home, WalletHub ranked the 50 states according to their retirement friendliness.

Researchers compared the states across three dimensions: affordability, quality of life and health care, evaluating those dimensions using 47 relevant metrics. It graded each metric on a 100-point scale, with a score of 100 representing the most favorable conditions for retirement.

The data set ranges from adjusted cost of living to weather to quality of public hospitals. Take the annual cost of elderly housekeeping. It was $38,621 in the state with the lowest median cost, versus $68,640 in the state with the highest median cost.

12. Montana

Total score: 56.47

Affordability: 20 | Quality of life: 15 | Health care: 28
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11. South Dakota

Total score: 56.49

Affordability: 26 | Quality of life: 27 | Health care: 7
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10. Iowa

Total score: 56.70

Affordability: 31 | Quality of life: 7 | Health care: 13
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9. Idaho

Total score: 56.80

Affordability: 13 | Quality of life: 19 | Health care: 30
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8. Wisconsin

Total score: 57.16

Affordability: 24 | Quality of life: 8 | Health care: 22
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7. Virginia

Total score: 57.93

Affordability: 18 | Quality of life: 13 | Health care: 24
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6. Delaware

Total score: 58.10

Affordability: 7 | Quality of life: 35 | Health care: 18
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5. Wyoming

Total score: 58.17

Affordability: 11 | Quality of life: 12 | Health care: 33
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4. Utah

Total score: 58.33

Affordability: 15 | Quality of life: 18 | Health care: 17
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3. New Hampshire

Total score: 59.25

Affordability: 27 | Quality of life: 4 | Health care: 6
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2. Colorado

Total score: 60.99

Affordability: 17 | Quality of life: 11 | Health care: 4
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1. Florida

Total score: 63.02

Affordability: 2 | Quality of life: 5 | Health care: 26
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original article by Michael S. Fischer: https://www.thinkadvisor.com/2020/01/14/12-best-states-for-retirement-2020/?slreturn=20200021132609