Not everyone waits until age 65 or 70 to quit punching the time clock. Maybe you've been smart about investing and saving and are now ready to retire as early as 55 — which means you may need to fund a retirement lasting three or four decades or even more. Where and how to spend your hard-earned gold in your golden years? Analyzing more than 600 tax scenarios, as well as factors such as housing costs and availability of entertainment, financial technology firm SmartAsset has compiled a list of the 10 best U.S. states in which to retire early. The list, along with excerpts from SmartAsset's report, follows.