{"id":322617,"date":"2025-10-22T01:42:20","date_gmt":"2025-10-22T01:42:20","guid":{"rendered":"https:\/\/www.europesays.com\/us\/322617\/"},"modified":"2025-10-22T01:42:20","modified_gmt":"2025-10-22T01:42:20","slug":"chatgpts-favorite-retirement-destinations-gobankingrates","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/322617\/","title":{"rendered":"ChatGPT&#8217;s Favorite Retirement Destinations | GOBankingRates"},"content":{"rendered":"<p>                    <img src=\"https:\/\/www.europesays.com\/us\/wp-content\/uploads\/2025\/10\/Grand-Teton-Wyoming-iStock-613142988.jpg\" class=\"attachment-full size-full wp-post-image main-post-image\" alt=\"View of Grand Teton Mountains.\" decoding=\"async\" fetchpriority=\"high\" \/>                <\/p>\n<p>\n                    aoldman \/ Getty Images\/iStockphoto                <\/p>\n<p>Commitment to Our Readers<\/p>\n<p class=\"Font--Poppins Font--Body-l\">GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services &#8211; our reviews and ratings are not influenced by advertisers. You can read more about our <a href=\"https:\/\/www.gobankingrates.com\/about\/editorial-guidelines\/\" rel=\"noopener\" target=\"_blank\">editorial guidelines<\/a> and our products and services <a href=\"https:\/\/www.gobankingrates.com\/about\/review-methodology\/\" rel=\"noopener\" target=\"_blank\">review methodology<\/a>.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994546\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>20 Years<\/strong><br \/>Helping You Live Richer<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-experts-review.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1989830\"\/><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon__trusted.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994547\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>Trusted by<\/strong> <br \/>Millions of Readers<\/p>\n<p>Retirement looks different for everyone, but one thing is universal: you want your savings to last. Where you choose to live plays a big role in how far your money goes. Taxes, housing, healthcare and everyday expenses vary widely across the country, and <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/chatgpt-unveils-best-cities-to-retire\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"first-link\" data-link-position=\"1\" target=\"_blank\">moving to the right state or even the right city<\/a> can free up thousands of dollars each year.<\/p>\n<p>I asked ChatGPT where <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/best-countries-retire-abroad-next-year-see-how-cost-of-living-compares-us\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"money-link\" data-link-position=\"2\" target=\"_blank\">retirees should live in 2025 for maximum savings<\/a>, and here\u2019s what it told me.<\/p>\n<p>What Makes a Place Affordable for Retirees?<\/p>\n<p>Before naming states and cities, ChatGPT pointed out the factors that actually stretch retirement savings:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Taxes:<\/strong> States that don\u2019t tax Social Security or retirement income let you keep more.<\/li>\n<li><strong>Housing:<\/strong> Downsizing helps, but choosing a low-cost housing market stretches savings further.<\/li>\n<li><strong>Cost of living:<\/strong> Groceries, utilities, gas and insurance vary widely from state to state.<\/li>\n<li><strong>Healthcare access:<\/strong> Low costs don\u2019t matter if you have to travel hours for decent medical care.<\/li>\n<li><strong>Lifestyle fit:<\/strong> A low cost of living isn\u2019t worth it if you hate the weather or feel isolated.<\/li>\n<\/ul>\n<p>The Best States for Saving in Retirement<\/p>\n<p>According to ChatGPT, these states stand out in 2025 for <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/retirement-lessons-wish-i-knew-in-40s-millionaire\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"3\" data-link-type=\"incontent_link\" target=\"_blank\">retirees who want to maximize savings<\/a>:<\/p>\n<p>Florida<\/p>\n<ul class=\"wp-block-list\">\n<li>No state income tax<\/li>\n<li>Retirement-friendly policies<\/li>\n<li>Plenty of sunshine and retiree communities<\/li>\n<li><strong>Downside:<\/strong> Home insurance costs are rising, especially in coastal areas<\/li>\n<\/ul>\n<p>South Dakota<br \/>\nTennessee<\/p>\n<ul class=\"wp-block-list\">\n<li>No state tax on retirement income<\/li>\n<li>Low housing costs compared to national averages<\/li>\n<li>Mild climate in many areas<\/li>\n<li><strong>Downside:<\/strong> Higher sales taxes than some states<\/li>\n<\/ul>\n<p>Missouri<\/p>\n<ul class=\"wp-block-list\">\n<li>Affordable housing in both rural and suburban areas<\/li>\n<li>Access to healthcare in mid-sized cities<\/li>\n<li>Moderate cost of living<\/li>\n<li><strong>Downside:<\/strong> Higher property taxes than <a href=\"https:\/\/www.gobankingrates.com\/taxes\/tax-laws\/cheapest-states-to-live-in-with-no-income-tax\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"5\" data-link-type=\"incontent_link\" target=\"_blank\">states with no income tax<\/a><\/li>\n<\/ul>\n<p>Wyoming<\/p>\n<ul class=\"wp-block-list\">\n<li>Very low tax burden<\/li>\n<li>Wide open spaces and scenic living<\/li>\n<li>Affordable small towns<\/li>\n<li><strong>Downside:<\/strong> Limited healthcare access in rural areas<\/li>\n<\/ul>\n<p>Cities That Stretch Retirement Dollars<\/p>\n<p>ChatGPT also highlighted a few specific <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/cheapest-cities-to-retire-in-new-york-in-2025\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"6\" data-link-type=\"incontent_link\" target=\"_blank\">cities where retirees can save more<\/a> without giving up too much quality of life:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Orlando, Florida<\/strong>: Warm weather, active retiree communities and no state income tax.<\/li>\n<li><strong>Toledo, Ohio<\/strong>: Very affordable housing, lower everyday expenses and decent healthcare options.<\/li>\n<li><strong>Poplar Bluff, Missouri<\/strong>: A small-town feel with affordable housing and access to nature.<\/li>\n<li><strong>Decatur, Alabama<\/strong>: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/cities-where-you-can-retire-for-1500-a-month-and-enjoy-all-four-seasons\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"7\" data-link-type=\"incontent_link\" target=\"_blank\">Low cost of living, mild winters<\/a> and access to healthcare in nearby Huntsville.<\/li>\n<\/ul>\n<p>Trade-Offs to Keep in Mind<\/p>\n<p>Even in the cheapest states, ChatGPT reminded me that there are trade-offs. <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/grok-picks-retirement-destinations\/\" rel=\"noopener\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"8\" data-link-type=\"incontent_link\" target=\"_blank\">Lower housing costs often mean fewer amenities<\/a>. Plus, states with no income tax sometimes have higher sales taxes or insurance premiums. And finally, extreme weather, like hurricanes in Florida or snow in South Dakota, can add hidden costs.<\/p>\n","protected":false},"excerpt":{"rendered":"aoldman \/ Getty Images\/iStockphoto Commitment to Our Readers GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews&hellip;\n","protected":false},"author":3,"featured_media":322618,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[64,8726,255,615,700,67,132,68],"class_list":{"0":"post-322617","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-gobankingrates","10":"tag-personal-finance","11":"tag-planning","12":"tag-retirement","13":"tag-united-states","14":"tag-unitedstates","15":"tag-us"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/115415282535180044","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/322617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=322617"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/322617\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/322618"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=322617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=322617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=322617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}