Whether you’re in the early aughts of your career or heading for the exits, it’s never too early to start thinking about retirement — and not just the big things like maxing your 401(k) and Roth IRA, but also how (and where) you’ll actually spend those retiree dollars. In a new study from WalletHub — which evaluated “retirement-friendliness” like affordability, quality of life, and medical care — they gave some clues on where to look (and where not to).

• Florida and Minnesota were virtually tied as the best two states to retire, trailed by Colorado, Wyoming, and South Dakota as suitable destinations.
• Kentucky, Louisiana, Mississippi, Washington, and New Mexico were considered the worst due to the high cost of living, lower quality of life, and limited healthcare access.

Snowbirds or snowboarders? While considerations like cost of living and tax rates are important ingredients in picking a place to retire, WalletHub’s methodology also includes other considerations like recreational activities, climate, and life expectancy, among other things. These factors helped them assemble ratings, but as the old real estate adage goes, results may vary — after all, it’s all about “location, location, location.”