$860,000 is the nest egg a single American needs to retire comfortably in Florida at 65, according to an Investopedia state-by-state analysis.
The estimate assumes the 4% withdrawal rule over 30 years, with annual spending of about $58,800 in Florida and $23,704 coming from Social Security, leaving roughly a $34,300 gap for savings to cover.
Florida sits near the middle of the affordability range, below the national average target of $898,000 for a single retiree.
New Jersey and Hawaii top the list at $1.02 million, followed by California and Washington, DC at $1.01 million, while North Dakota is cheapest at $640,000.
The study factors in costs such as housing, food and transportation, but excludes pensions, which could reduce the savings retirees need.