Where you live is vitally important to the quality of your retirement, according to BankRate.com.

Even more than that, according to a recent research paper from Michael Finke of the American College, Nhat Ho of Eastern New Mexico University and Sandra Huston of Texas Tech University, your relationship with your spouse plays an outsized role in your happiness in retirement.

Their research suggests, they write, that "leisure spending, health status, and spousal and friend relationships have the greatest impact on creating life satisfaction during retirement, while other type of spending and children relationships do not."

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.