When you think retirement, do sunny beaches and palm trees come to mind? According to Bankrate, you might actually be a lot happier enjoying your sunset years sans palm trees in a landlocked state – like somewhere in the Great Plains or the Mountain West. South Dakota tops the list of best places to retire. New York came in last. Bankrate looked at key surveys measuring cost of living, crime rate, quality of health care, taxes, personal well-being and weather to rank all 50 states.