But be prepared; if you're not on the east coast, you probably will have to work a little harder at it — since all of the top 10 are east of the Mississippi.

So, without your having to tote it all up for yourself, here's what GOBankingRates came up with: The 10 best states to retire rich.

10. Georgia

This state might be on your mind as a retirement destination since its cost of living is quite reasonable.

But don't expect high returns on your CD account interest rates, or, for that matter, anything better than mediocre Social Security benefits, at just $1,304.44.

9. Ohio

Housing is cheap in Ohio, too, with a low average listing price of $185,335. Health insurance premiums are also on the low side, at $234.

The average Social Security benefit is $1,300.05 per month, while the state's average Medicare spending per capita is $9,565.06.

8. Mississippi

A low cost of living — the lowest in the country, in fact — helps to offset the fact that this state also has low average Social Security benefits, at just $1,238.83.

In addition, low housing costs will be a big help when you go to buy that retirement dream home, with an average listing price of $180,209. 7. Pennsylvania

Cheap housing prices, combined with high Social Security benefits — at an average of $1,356.68 — and average Medicare spending per capita of $9,692.19 shape up to form a powerful enticement to come to the Keystone State.

There is, however, one teeny tiny little drawback: Property taxes averaging 1.54%, which is nothing to sneeze at. 6. New Jersey

No, really — because it pays out the most Social Security benefits, at $1,452.47 per year, and the second-highest Medicare benefits per capita at $11,203.17, the Garden State gets good billing, no pun intended, as the place to tend your retirement garden.

Of course, it does have disadvantages, such as its property taxes and the cost of housing — and, for that matter, the cost of living. So more retirees are leaving the state than coming in. 5. Florida

While it doesn't take the top spot for Medicare spending per person — it came in sixth — the money is still respectable, at $10,707.92 per capita.

Both savings account interest and CD account interest rates are above average, too, while health insurance premiums are on the lower end at $262. 4. Maryland

If you don't blow it all on the Preakness, you can stuff yourself with crab cakes living rich in Maryland, where Medicare spending per person in Maryland is $11,044.06, the third-highest on the list.

The state also has a high average Social Security benefits payout, at $1,371.89, and relatively cheap health insurance premiums at $249. 3. Indiana

Again, cheap housing works in this state's favor, with the lowest average listing price on the list of $157,435.

The state also has the second-lowest cost of living in the country and some of the nation's highest average Social Security benefits, at $1,379.93. 2. Michigan

Housing costs are cheap here, as are living costs, which position retirees to enjoy their golden years. The state also has the fourth-highest average Social Security benefits and high Medicare payouts per person.

But beware of property tax here — high, at an average of 1.78% — and a substantial 0.75% real estate transfer tax. Maybe you should rent? 1. Delaware

Well, the banks have all moved to Delaware, but who knew the state could be so retiree-friendly too?

But a combination of low taxes and low health care costs have made the First State the first one you should think of when choosing a retirement destination.

There's no sales tax, no tax on Social Security benefits and a low average property tax of 0.55%. Housing prices aren't cheap, but the state has the fourth-highest savings account rate in the country, which will boost your bank balance. The state spends $9,904.68 per person for Medicare, and Social Security benefits — at an average of $1,414.34, are the third highest in the country.