Some states show a clear advantage, with Illinois and Minnesota both requiring only 26 years of saving, the shortest timelines in the country. Georgia comes in second with 27 years, while Michigan, Kansas, Texas and Virginia all needing 29 years to retire. These shorter timelines suggest that wages, expenses and savings habits are better aligned, making it more realistic for workers to retire on time, or even a little earlier.

On the other end of the scale, California and Massachusetts need a staggering 71 years of saving — longer than most working lifetimes. Maine and Vermont also stand out, with timelines above 50 years. Hawaii faces the most difficult scenario of all: According to the John Stevenson figures, average wages don’t cover people’s retirement needs at all.

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This article originally appeared on GOBankingRates.com: The Average Retirement Age in Your State, and How It Compares to Your Savings