If you’re ready to put away that briefcase and trade work-appropriate suits for casual attire, think twice about where you retire, and not just when, according to WalletHub, the personal finance website.

Sure, it would be wonderful to spend a night on the town in the Big Apple, one of the world’s most glamorous cities, or bask in the radiant glow of a Hawaiian sunset anytime you like, but the reality of such daydreams is that they are anything but affordable or practical for most people on a fixed income. 

WalletHub has taken the guesswork out of finding these retirement wreckers so you can avoid them with a 10-foot-pole and make other plans for your happy-ever-after retirement destination. 

Using 46 relevant metrics graded from 0 to 100, with 0 representing the least favorable conditions for retirement, WalletHub compared 182 U.S. cities across four key dimensions: affordability, activities, quality of life and healthcare. The weighted average was used to rank-order each city.

Here, in ascending order, are 2020’s top 10 worst places to retire.

10. Wichita, Kansas

Known as the air capital of the world, Wichita is also the birthplace of Pizza Hut and White Castle, but fast food and fast flights are no guarantee of a retirement in the fast lane. Wichita ranks 107^th in healthcare; 119^th in affordability; 126^th in activities; and 172^nd in quality of life. Total Score: 40.47.

9. Detroit, Michigan

Once a global hub of automotive design and development, these days the Motor City is driving seniors to retire elsewhere. Detroit ranks 98^th in activities; 108^th in affordability; 162^nd in healthcare; 180^th in quality of life; and 182^nd with the lowest percentage of employed seniors. Total Score: 40.38.

8. Jersey City, New Jersey

Two decades ago, the Garden State’s second-largest city earned the rap nickname Chilltown because strangers were always welcome there. These days, Jersey City is less than chill if you’re on a fixed income. Jersey City ranks 80^th in quality of life; 87^th in activities; 92^nd in healthcare; and 177^th in affordability. Total Score: 40.02.

7. Pearl City, Hawaii

Home to Hawaii’s most popular tourist attraction, Pearl City ranks 174^th with Honolulu, New York City, Washington, D.C., San Francisco and Fremont, Calif., for highest adjusted cost of living. While the city also has the second-highest percentage of seniors living there, it ranks 44^th in quality of life; 145^th in healthcare; 173^rd in affordability; and 178^th in activities. Total Score: 39.50.

6. Baltimore, Maryland

The city is famous for its crab houses, but retiring there might make you crabby. Baltimore ranks 57^thin activities; 158^th in both quality of life and healthcare; and 160^th in affordability. Total Score: 39.37.

5. San Bernardino, California

You’ll find your kicks along Route 66, which passes through San Bernardino, but you won’t get a kick out of much else by retiring there. San Bernardino ranks 81^st in affordability; 173^rd in healthcare; 175^th in both activities and quality of life; and 178^th with lowest percentage of employed seniors. Total Score: 38.89.

4. Warwick, Rhode Island

The good news about retiring to Warwick is that you’ll be near all New England has to offer. The bad news is that you probably won’t be able to afford it on a fixed income by retiring there. Warwick has the fifth highest percentage of seniors living there, but ranks 122^nd in quality of life; 135^th in healthcare; 136^th in activities; 164^th in affordability; and 178^th for weather. Total Score: 37.83.

3. Bridgeport, Connecticut

According to P.T. Barnum, Bridgeport’s most famous resident, there’s a sucker born every minute, and that’s what retirees-in-the-making will be if they decide to spend their golden years there.  Bridgeport ranks 53^rd in healthcare; 116^th in activities; 121^st in quality of life; and 180^th in affordability. Total Score: 37.48.

2. Stockton, California

Thanks to the California gold rush, Stockton transformed from a small settlement to a thriving commercial center, but don’t let that fool you—the city will take you from riches to rags. Stockton ranks 97^th for affordability; 163^rd for quality of life; 171^st for healthcare; and 179^th for activities. Total Score: 37.41.

1. Newark, New Jersey

Once known as the carjack capital of the world, car thefts are down these days in New Jersey’s largest city. But that doesn’t mean Newark won’t pick your retirement pocketbook if you live there. Newark ranks 60^th in activities; 140^th in healthcare; 172^nd in affordability; and 173^rd in quality of life. Total Score: 37.16.