以下是基于可负担性、娱乐和医疗保健选择的退休地点

决定在哪里度过退休生活是一个复杂的问题——这个问题基于许多变量，其中最重要的是生活成本。大多数人在考虑自己的黄金岁月时，还会考虑其他因素，包括娱乐机会和当地医疗服务的质量。

为了找到一个合适的地点，在这些要求之间摇摆不定充其量是一项挑战——尤其是如果你真的希望与大家庭保持密切联系的话（因为能够花时间陪伴孩子和孙子孙女也是许多退休人员的一大优先事项，这不是什么秘密)。

许多数据处理人员已经检查了这些问题中的至少几个，以帮助你理清决策过程。例如，WalletHub发布了一份年度报告，对美国最适合退休的地方进行了排名，该报告考虑了人们的负担能力。该网站还单独发布了一份美国顶级城市的年度报告，内容是关于积极的、充满娱乐的生活方式。

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U.S. News and World Report, meanwhile, has its own ranking of top retirement destinations, and a separate annual list of states that best meet citizens' health care needs, a study that considers three factors: healthcare access, healthcare quality, and public health.

Related: How to Retire Early Even If You Have Kids

Is your head spinning yet? Because sorting through all of these lists, reports, and rankings can certainly be dizzying. To help weed through it all, here's a closer look at five of the destinations that received admirable marks across nearly all of the studies.

Orlando, Florida

The Sunshine State continues to dominate all other options when it comes to providing much of what retirees are looking for—affordability, recreation, and adequate healthcare. Though there are varying opinions when it comes to exactly which Florida city to settle in.

In the various WalletHub studies, Orlando consistently lands at number one. It's the top choice in the country as an overall retirement option, and as a city with a plethora of recreational and entertainment opportunities to keep you busy. 

The U.S. News and World Report study of best retirement destinations in the country awards eight of its top 10 spots to Florida cities (though, puzzlingly, Orlando is nowhere to be found). According to U.S. News and World Report, which bases its retirement ranking on affordability, health care, and overall happiness, you'll want to set your sights on Sarasota, Naples, Daytona Beach, Melbourne, Tampa, Fort Myers, Port St. Lucie, and Pensacola.

When it comes to healthcare offerings and quality, the state of Florida comes in at 25 out of the 50 U.S. states, putting it squarely in the middle of the pack.

Atlanta, Georgia

Watch out, Florida: The Peach State is coming for you. Georgia took the top spot on a Bankrate 2021 study of best places to retire, unseating past winners such as Florida and Tennessee. But it's Atlanta in particular, the state's capital, that you may want to seriously consider. The city is number 10 on WalletHub's list of best places to retire and fared even better on best cities for recreation—landing at number seven. (If the grandkids are coming to visit, you'll have plenty of places to get out and explore with them, including the Georgia Aquarium, Piedmont Park, and Fernbank Forest.)

The cost of living here is particularly favorable for those on a fixed income. The Bankrate study, for instance, says Georgia ranks very high on its affordability index. This is due to a low cost of living and a light tax burden. The state is also known for its affordable home prices. The weather is another notable bonus in Georgia, with an average annual temperature of 64 degrees.

Related: Retirement Vs. College Fund: How to Balance Both

On the downside, the state doesn't fare all that well for health care. On the U.S. News and World report ranking, it lands at 43 out of 50.

Scottsdale, Arizona

Another warm-weather option, Scottsdale lands at number three on the WalletHub list of best retirement choices (its affordability ranking on the retirement list is 20 out of 182 cities studied) Scottsdale is also among WalletHub's top 15 best cities in the nation for recreation. The state of Arizona, meanwhile, does well on U.S. News and World Report's healthcare study, coming in among the top 25 overall and number four specifically for health care quality, which tracks preventable hospital admissions, Medicare plan ratings, and the quality of nursing homes and hospitals.

Another factor contributing to Scottsdale's high marks as a happy place for retirees (though it may not necessarily be a qualification you've considered) is the fact that a significant portion of the city's population is 65 or over.

Denver, Colorado

After Florida, Georgia, and Arizona, you have to take a slightly deeper dive down the various rankings to find options that score respectably across multiple studies and rankings. The Mile High City lands at number six on WalletHub's choices of top retirement destinations based on affordability, quality of life, and more. And with its proximity to the Rocky Mountains, and all sorts of skiing, hiking, and biking, it should also be no surprise Denver is a top-ranked recreation city (number 14 on the WalletHub list).

Finally, healthcare: Colorado is 10 on the U.S. News and World Report index, which is a pretty stellar score. (In the sub-category of just health care quality, Colorado scores even better—fifth in the nation.)

Related: This Retirement Change Congress is Considering Will Help Many Families Struggling With Student Loan Debt

Cincinnati, Ohio

If you don't mind the cold, Cincinnati may be worth putting on your retirement radar. Landing right behind Denver on WalletHub's choices of top retirement destination options (number seven), the city also scores very respectably for recreation—number four out of 100 cities. 

Cincinnati is consistently lauded as an affordable place to live and has a cost of living index well below the national average. As for recreation, Cincinnati is known for its Riverwalk, well-developed parks system, biking trails (such as the Loveland trail), and hiking opportunities at the Mitchell Memorial Forest. 

When it comes to health care offerings and quality, Ohio is ranked 19 out of 50 for health care access by U.S. News and World Report.