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Billings is ranked eighth in the nation as a good place to in which to retire if you are planning to work during retirement, according to Smartasset.com, an on line financial advisor.

The average American can expect to live nearly 79 years. That is a full 14 years after the typical retirement age of 65. While many Americans perhaps imagine themselves filling those 14 years of retirement in blissful leisure, many others decide to spend part of it working. Make sure you settle down in a place with plenty of working opportunity for seniors, advises smartasset.

Other considerations should be effective tax rate, unemployment rate, medical centers, retirement centers, recreation centers, seniors as a percent of overall population, median annual housing costs, median household income for seniors and senior unemployment rate.

According to Smartasset, Billings has the lowest effective tax rate in its top 10, “a good thing for any senior who wants to spend some time working. The economic conditions in Billings are also relatively favorable for workers, senior or not. The local unemployment rate is only 3.6% and for seniors it is 3.9%.”

Also, after a hard day at work seniors in Billings will have plenty of opportunity for recreation. This city ranks in the top 15 for number of recreation centers per 1,000 residents.

Santa Barbara, CA was ranked as number one.

In order to find the best cities for a worktirement, SmartAsset looked at nine factors – effective tax rate, unemployment rate, medical centers, retirement centers, recreation centers, seniors as a percent of overall population, median annual housing costs, median household income for seniors and senior unemployment rate.

* Avoid big cities – If you’re looking for a successful worktirement, you probably want to avoid big cities. Ranked as 15 worst places for a worktirement are cities like Boston, Philadelphia, Detroit and Chicago.

* The Northeast scores poorly – In past studies we have found that seniors tend to leave the Northeast for their retirements and for good reason. The highest-ranked Northeast city is Toms River, New Jersey at 52nd.