Forget heading South. Retirees are now opting for the densely populated Midwest, according to a new report.
After all, you've been planning for the golden years your whole life (hypothetically, at least), so you don't want to end up living in a place that doesn't help you make the most of your money or your leisure time.
"They savor their day-to-day lives, feel financially secure and have a strong sense of community", said Tepper.
Rounding out the top five were Utah, Idaho, New Hampshire and Florida, which ranked second in weather.
"I think people will be surprised South Dakota came out on top [because] we all have this cultural bias that retirees should live in warmth by a big body of water", Taylor Tepper, analyst at Bankrate.com, tells FOX Business.
"No one would think of South Dakota as a victor to retire".
NY was the worst - not a huge surprise given the state's high cost of living, high taxes, and the lower quality of health care. The biggest downer - the weather - ranked at No. 38.
'All this together shows what people should be looking for, and that doesn't necessarily mean move to some place warm, ' he said, noting that Arizona is a popular retirement destination despite ranking 29th.
The survey heavily weighed cost of living, taxes, health care quality and weather, and took other factors into account, as well.
The worst state? NY came in last, with New Mexico and Maryland tied for the second-worst spot to retire.
New Mexico fared poorly on quality of health care and ranked last on crime, while Maryland was dinged for having a high cost of living and high taxes. New Hampshire, in particular, had more top-10 rankings than any other state.
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