Spending your workdays dreaming of retirement? It’s the ultimate goal of any longtime office-dweller, but figuring out when you’re ready to finally take the plunge is one of many questions aspiring retirees need to ask themselves before quitting the 9-to-5 grind for good. Determining where to retire is equally important, as you’ll need to think not just about affordability, but quality of life and health care as well.

Personal finance website WalletHub crunched the numbers on all 50 states to come up with an official ranking on the best (and worst) states to retire. Their experts looked at 47 different factors and enlisted the help of a panel of experts.

Ultimately, it turns out that the idea of retiring to Florida is still very much alive. The Sunshine State took the top spot in the poll, largely because of its affordability (it came in second in that category overall, with only Alabama besting it). But spending your golden years on a beach somewhere doesn’t seem to be for everyone; while Colorado and New Hampshire certainly have their warm-weather seasons, they also accumulate plenty of snow each year—which didn’t seem to matter as they clinched the second and third positions on the list, respectively. Here are the 20 best states to retire:

  1. Florida
  2. Colorado
  3. New Hampshire
  4. Utah
  5. Wyoming
  6. Delaware
  7. Virginia
  8. Wisconsin
  9. Idaho
  10. Iowa
  11. South Dakota
  12. Montana
  13. Pennsylvania
  14. Massachusetts
  15. Ohio
  16. Minnesota
  17. Texas
  18. South Carolina
  19. North Dakota
  20. Missouri

The news was far less happy for Kentucky, which claimed the last spot on the list (followed closely by New Mexico, Rhode Island, New Jersey, and West Virginia).

You can view an interactive version of the map below, and visit WalletHub to see more detailed information on each state’s ranking.

Source: WalletHub