Retiree Loretta Willis loves playing cards at the Pinecrest Senior Center. She spends most of her afternoons there, enjoying a retirement that is in it's second decade.
"It's been rewarding in so many ways. It gives you an opportunity to do things that you never dreamed that you could do, other than just working day after day after day after day. But it gives you time to focus on other things," says Willis.
She says these days, she's focused on making the most of her time.
But not everyone is as happy as she is. Two recent studies by two web sites, moneyrates.com, and topretirements.com, ranked Ohio as one of the worst states in which to retire. In fact, the studies ranked Ohio as 45th out of 50 states. The studies examined income, taxes, climate, the state's fiscal health, proximity to family, unemployment, life expectancy, crime rates, health care, transportation and more.
And Loretta Willis says, she does hear some of those concerns from her friends at Pinecrest.
"A lot of them don't have no transportation. They don't have a way of getting from point a to point without having to pay out money and a lot of them don't have the finances that they once had because they are not working," says Willis.
But does retirement in Ohio live up to the ranking and the list?
Some say, no.
"I don't believe that it's any worse here than it is any place else," says Lois Fox. She works with the folks who use the facilities at Pinecrest regularly.
"Retired people are hard up every place. And it's not just here. Almost every city you go to and every state you go to, they have issues with being retired," says Fox.
Wells Fargo financial planner Peter Hiltz also says retirement is all about how you look at it.
"Taxes might be perceived as high, but on the other hand, there are some great opportunities--volunteer opportunities, and a we've got great arts and cultural organizations and great healthcare organizations here in Cincinnati and around the state,"says Hiltz.
He told FOX19, there is an easy way to make the most of out what's ahead in the golden years.
"If you have a financial plan in place, that can help you with those fears," says Hiltz. "Don't be afraid to meet with a financial advisor. Don't be embarassed.I think it's important to meet with that advisor on a regular basis. You need a trustful relationship. But if he's too busy or she's too busy to meet with you, don't be afraid to get a second opinion."
Back at Pinecrest, Loretta agrees. She says there is another reason people are so negative about retirement in the buckeye state.
"Well, it's because they don't have no dreams or they never focused on anything else but doing what they believe it is they know to do, instead of reaching out,"says Willis.