If you have a taste for champagne on a fixed income, you’ll be retiring to the poor house in America’s most expensive states—not the high life you imagine, according to Zippia, a career resource website.

These states might not appear to be retirement budget busters, but appearances can be deceiving.

Zippia says that according to the latest U.S. Census Bureau report, over half-a-million adults age 65 and older moved to a different state last year. However, not all states are a great place to retire. In fact, Zippia says that a lot of states are actually pretty dreadful places to retire if you can’t afford them, particularly in the Northeast, where five of the priciest states to retire are located.

To locate America’s most expensive retirement traps, Zippia ranked all 50 states based on several key factors: median house cost, using census data and the costs of home ownership. general cost of living and health-care costs. 

Here, in ascending order, are the top 10 worst states to retire to in 2020 if you want to keep your money, according to the report:

10. Minnesota

The “Land of 10,000 Lakes” has the lowest average home cost of the top 10 states, making it a great investment for working families, but not so much for seniors. The median home cost is $211,800; the monthly Medicare Advantage cost is $111.62; and the annual cost of living is $52,115.