It’s the question that keeps older people up at night: Will the recommended $1 million in retirementsavings actually be enough?

The answer depends in part on where you live, according to a new GOBankingRates study.

The $1 million figure is thrown around by AARP and others as the amount of savings needed to replace between 70 percent and 80 percent of a person’s work income. But that’s a rough estimate and there are a lot of variables in retirement planning: How large is that income you hope to replace? How long will you live? Should you count your home equity as part of your savings if you’re not planning on selling your home? How will taxes and investment returns affect your retirement income? How will inflation affect your expenses? What happens if you suffer a sudden or long-term incapacitating illness?

The reality is that few retirees have saved anything close to $1 million. A 2016 BlackRock survey found that the average baby boomer between the ages of 55 and 65 had saved only $136,000 for retirement.

That means many people will need to stretch their savings and maybe relocate to the states where their money could last the longest.

GOBankingRates, a personal finance website, pegged Mississippi at the top of the list: In that state, $1 million could cover the needs of the average retiree for 26 years, 4 months. Hawaii is where you’re likely to blow through those savings the fastest ― in 11 years, 11 months.

(Photo: Alissa Scheller/HuffPost)

The website determined the average total annual expenses for people 65 and older (counting groceries, housing, utilities, transportation and health care) and then multiplied total expenses by each state’s cost-of-living index to calculate the state-specific yearly cost. Housing is generally the big ticket item.

The U.S. Census puts the average retirement age at 63. At age 65, Americans’ average life expectancy is about 19 more years. So that leaves you with two decades during which savings, pensions, home equity and Social Security become your principal means of financial support.

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If you’ve managed to sock away $1 million, here are the five states where GOBankingRates says it will last the longest:

Mississippi (26 years, 4 months)

Arkansas (25 years, 6 months)

Oklahoma (25 years, 2 months)

Michigan (25 years)

Tennessee (25 years)

And the seven states where it will disappear the fastest:

Hawaii (11 years, 11 months)

California (16 years, 5 months)

Alaska (17 years)

New York (17 years, 1 month)

Connecticut (17 years, 4 months)

Maryland (17 years, 4 months)

Massachusetts (17 years, 4 months)

How did your state fare? Check it out on the map above.

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Kentucky

Kentucky takes the top spot with its low cost of living and tax breaks for retirees. According to SmartAsset, retirees can claim deductions on about the first $41,000 of their retirement income, from sources like their IRA and 401(k). The Bluegrass State will also appeal to nature lovers, offering plenty of fishing, boating and hunting opportunities.

South Dakota

You'll have to brace yourself for chilly winters, but South Dakota offers beautiful national parks and monuments -- and, of course, Mount Rushmore. It also offers some of the lowest housing costs in the nation.

Wyoming

Another win for nature lovers, Wyoming is home to the beautiful Yellowstone National Park. But besides the breathtaking scenery, early retirees can benefit from having no state personal income taxes and a low sales tax.

Tennessee

Music lovers will want to flock to Tennessee for its rich music scene. Here, retirees can also benefit from no state personal income tax and an affordable cost of living -- but beware that the sales tax is high.

Mississippi

The cost of living in this Southern state will help retirees save, falling 15 percent below the national average, according to SmartAsset. Retirement income is also safe from state and local taxes here. The state prides itself on its culinary delights and history.

New Mexico

Retirees headed to this Southwestern state will benefit from the low cost of insurance. SmartAsset says that for the average 60-year-old, the cost of purchasing silver-level health insurance coverage is the third lowest in the nation.

Pennsylvania

Sports fans will have plenty to keep them occupied in this state rich with pro and college sports teams. Retirement income is tax-exempt here, as are pensions for people over 59.5 years old.

Montana

The tranquil Northwestern state is sales tax free and has some of the lowest housing costs in the nation. Retirement income taxes are also fairly low.

Florida

Who doesn't consider Florida a retirement dream? The Sunshine State doesn't have a state income tax, but due to its popularity, you'll have to shop around in different cities to find affordable housing.

Texas

Retirees have a number of options when it comes to settling in the Lone Star State. Texas has numerous large, vibrant cities, including Austin, Houston, San Antonio and Dallas. The cost of living here is relatively low, but property taxes run high, according to SmartAsset.

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This article originally appeared on HuffPost.