Everyday living costs play a major role in how much money you need to retire. A new state-by-state analysis from personal finance website GOBankingRates shows that the estimated total savings needed to retire at 65 can differ by as much as $1.46 million depending on where you live. In Hawaii, retirees need about $2.2 million to stop working at 65 and cover essential living expenses for 25 years, including housing, groceries, transportation, utilities and health-care costs. That is the highest