Wyoming
How much you need to retire: $1,057,420
Rounding out the 20 states where you need to save the least for retirement is Wyoming. In this Western state, retirees can cover cost-of-living expenses with $42,297 a year. Utilities are slightly pricier than the national median, but the splurging stops there. Costs are lower than the median in every other category, especially housing, which at $12,920 makes Wyoming one of just 15 states that caps housing costs under $13,000.
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