Where you retire can have an effect on whether you're comfortable or stressed about money. But the destinations that are most friendly to retirees and provide them with an actually livable living standard might not be the ones you expect, according to a post on the Squared Away Blog at the Center for Retirement Research at Boston College.

In fact, it cites a 50-state analysis by the University of Massachusetts' Gerontology Institute in Boston that compares the actual relationship between a state's cost of living and a retiree's income. It identifies the gap some retirees fall in, where their income is above poverty level but not enough to help them be economically secure.

Interestingly, the study finds that there are more retirees stuck in this gap than there are retirees living below the poverty level. Says the study, "On average throughout the United States, the share of older adults living alone with incomes below the FPL [federal poverty level] is 18.2 percent; another 32.1 percent live above the poverty level yet still have income less than what is required to live with economic security."