The retirement cliché about moving south to warmer weather isn't for everyone, and instead you may want to consider moving west to save money.
Salt Lake City, Utah, tops Forbes' list of the Best Places to Retire for 2012.
It's hard to avoid the snow there, though it does get plenty warm in the summer.
The list has a slightly bigger bias toward warmer climates in states like Florida, New Mexico, and Arizona.
A big factor was day-to-day economics, such as the tax burden on retirees and the cost of living.
Albuquerque, New Mexico, and Alexandria, Louisiana, round out the top three.
If you'd like to stay close to Houston, you could retire in three Texas cities that made the list. Austin, San Antonio and Corpus Christi all made the top 25 on the annual list.