How much are you planning to spend once you retire?

Depending on where you end up once you leave the office behind, you could actually be letting yourself in for considerably more expense than you bargained for. Different states have different rules on everything from taxing Social Security (or not) to taxing personal property (or not), and that's in addition to sales taxes, the local cost of living, how much you might pay for housing and the soaring cost of health care.

Whether you've got a lot or only a little put by for retirement, you might want to have a closer look at how expensive it can be to live in the state in which you plan to retire—and you might even want to change those plans, depending on what you learn.

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