The folks at Wallet Hub are at it again.

They have put out a study trying to determine the best and worst cities in the United States for 'wallet fitness.'

What is wallet fitness, you ask?

According to Wallet Hub, 'Wallet Fitness' is about turning one of Americans’ top stressors, money, into one of your biggest strengths. It means building an excellent credit score and never again overpaying for financial products. It means minimizing debt and protecting yourself with adequate insurance coverage. Most importantly, it means spending modestly while saving aggressively for retirement and emergencies.

182 U.S. cities were included in the study, including the 150 most populated cities in the nation, based on 32 key indicators of Wallet Fitness. Unfortunately, Cleveland did not fare well, coming in at No. 179 out of 182.

Source: WalletHub

The only cities to score lower than Cleveland were Guilfport, MS, Brownsville, TX, and Hialeah, FL.

Cities were scored across five key dimensions: 1) Credit Standing, 2) Responsible Spending, 3) Savings, 4) Risk Exposure and 5) Earning Power. Those dimensions were evaluated using Wallet Hub's 32 key indicators.

MORE | Study ranks Cleveland as one of the 15 least safe cities in America

Among the indicators was foreclosure rate, which Cleveland tied for the highest rate in the nation. Cleveland also ranked No. 181 in lowest median household income.

Other cities in Ohio fared better in the overall Wallet Fitness score:

  • No. 36--Columbus
  • No. 62--Cincinnati
  • No. 140--Akron
  • No. 151--Toledo

The top cities in the nation for Wallet Fitness were:

  1. Fremont, California
  2. Seattle, Washington
  3. San Francisco, California
  4. San Jose, California
  5. Madison, Wisconsin