Hawai‘i always balances the budget on the backs of middle class tax payers. Lower income backs even. If the total household income is 70k while working and you have 150k in savings for retirement, your outlook for retiring in Hawai‘i is grim. I would suggest moving to the mainland when you retire. You will not make it here on your own. You will need the assistance of your kids who are working to survive. Taxes will rise, cost of living will rise, housing will rise, and all the while the budget will be balanced every year.