Ah, retirement. Halcyon days of leisure, filled with pastimes designed to stimulate your brain—or stressful times, filled with worry over finances? If you're like most Americans, who have little or no retirement savings, cost of living is going to be a critical element when deciding where you're going to live. Your money will need to go farther, and you might even have to go back to work. You might want to take a gander at WalletHub's evaluation of states' suitability for retirement, based on three main categories that can make your golden years shine or tarnish the brass ring pretty quickly: affordability, quality of life, and health care. Related: 2017's 10 worst states to retire in Affordability included such things as how friendly states are to seniors financially—in taxing (or not) Social Security and pension income; in taxes on regular income; in cost of living; and in the annual cost of home health care and adult day care. For quality of life, states were ranked for their standing in the size of their senior populations; how many of those seniors live below the poverty level; how friendly the labor market is to seniors; the weather; air and water quality; cultural and recreational offerings, such as theaters, museums and golf courses; public transportation; crime (violent and property) statistics; and whether there are protections against elder abuse. Related: Want to live longer in retirement? The health care category took into account such factors as the number of doctors, dentists, nurses and health care facilities per capita; the quality of public hospitals; emotional health; life expectancy; death rate for those 65 and older; and a number of health factors among the senior population, including whether seniors are covered by health insurance, are disabled or are physically active. So before you decide to put your house on the market and head off to places unknown, have a look at these suggestions on which 10 states are the best places to retire:

10. Wisconsin

Wisconsin did pretty well in the rankings, although its affordability ranking of 33 could definitely have been better. But for quality of life it got a 5, and for health care it got a 4. Among subcategories, Wisconsin did very well with its elder-friendly labor market, which rated a 2. Ironically, though, it did really badly when it came to taxes. While it doesn't do badly for seniors on Social Security and pension taxes, coming in in 10^th place, when it comes to overall tax-friendliness it came in a dismal 49^th out of 51. But if you're not planning on working, you might be happy to hear that its golf courses (rated based on number of courses per square root of population) netted it a 4, and it finished at the top of the heap for access to adult volunteer activities.

9. Delaware

Delaware, which isn't particularly cheap to live in, at 29 out of 51, is very taxpayer-friendly, with a ranking of 2; for pensions and Social Security, its tax-friendly rating is 10. But while it does well on doctors, dentists and nurses per 100,000 residents, at 15, 13 and 12 respectively, when it came to health care facilities per 100,000 residents it was pretty dismal, at 49^th place. Its labor market is pretty friendly toward seniors, though, in 14^th place.