NEW YORK (PIX11) — Is shuffleboard more expensive now, or is it just New York? A recent study shows the Empire State is one of the worst places to retire in the country.

New York ranks as the second-worst state to retire, according to Retirement Living's study of all 50 states.

To create the rankings, Retirement Living used a 100-point scoring system across three categories: quality of life (60 points), affordability (30 points) and economic strength (10 points). In these categories, a variety of factors were included to award points to each state.

New York ranked 46th in affordability, 50th in economic strength and 24th in quality of life, according to the study.

Why is it ranked so low?

According to Retirement Living research, New Yorkers looking to retire need over $1.03 million in

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