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4. Nevada

Perhaps you envision hitting the jackpot with your disposable income or attending concerts and shows in Las Vegas. That novelty may wear off quite quickly, especially if you're exposed to the crime here. You'll need at least a million dollars to retire here, and buying a house in the first place could cost you a pretty penny. Nevada is also desert terrain, and the dry heat of the summer could make you feel like you're roasting, which isn't ideal in a place with less-than-stellar healthcare access.

entrance to reno nv Jupiterimages / Getty Images

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