A lot of organizations want to tell people where to, and where not to, retire. Some overlap usually exists between the conclusions the various studies come up with, but there are always surprises, too.

WalletHub, the financial educational and research organization, considered affordability, quality of life, the number of seniors in the population, recreational activities for seniors, health care and a few other variables to decide the areas where seniors should not look for an easy retirement.

Following are the 10 least desirable retirement destinations out of 150 metropolitan areas and a reason or two why each was ranked at the bottom. The worst is listed last. Click here to see WalletHub's Top 10 places to retire.The entiire study is available here.

No. 10. Detroit, Mich.

Ranked among the bottom for overall quality of life and health care.

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