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- Retire in Tennessee Tennessee is one of the top 10 places to retire (moneyrates.com) mainly because of the lower cost of living (10% lower than the national average) and because the state has no income tax. Add to that the beautiful mountains and lakes, historical attractions, musical entertainment, the most visited national park and so much more. Make a Housing Plan for Retirement One of the major decisions facing us as we age is where to live in our later years. I work with many babyboomers who want to downsize and find a place to "age in place" as they enter their golden years. It is better to plan ahead rather than be forced to move because of family or health issues. The death of a spouse, a divorce, poor health are the top ways people react rather than plan. As a specialist in working with seniors, allow me to help you with this transition to a new lifestyle.