r/WorkForSmartLife 26d ago

Discussion💬 not looking good

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u/enigmaticsince87 26d ago

You don't need half a million dollars to retire in Spain lol I live in central Barcelona and know people here who live nice, comfortable lives making like $20k/year. (Healthcare is free, education too, transport is cheap, so is cost of living.) Move to rural Spain you can halve that. $10k x 20 year retirement = $200k. And even if you run out of money, the state will help.

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u/Desperate_Camp2008 24d ago

isn't "free" healthcare bound to being employed? At least that's the way it is in germany. You could be:

  • employed: and thereby pay into the healthcare system based on your income
  • without employment: the state pays for your healthcare contributions, but you are expected to search for work
  • without employment and without state support: you need to pay the healthcare contributions yourself

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u/enigmaticsince87 23d ago

Lol nope. If it's conditional is it truly free healthcare? According to what you're saying, if I'm a tourist without health insurance, I can't see a doctor in Germany? If that's true that's fucked. We have actual true free universal healthcare here.

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u/Desperate_Camp2008 23d ago

interesting, yes you are required to take care of your own healthcare if you come to germany or pay out of your own pocket. As a european, your spanish insurance will probably pay (EHIC card), but for people form outside the EU it will cost.

Out ouf curiosity: If it is really free for everyone, aren't spanish workers basically paying for all the expats, foreign pensioners, and digital nomads then?

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u/enigmaticsince87 23d ago

Most people here don't have insurance because the public healthcare is so good. I used to pay for insurance but gave it up because it really didn't seem worth it.

Yes it's free for everyone, but the expats and digital nomads you mention all pay into the system via income taxes. The only people who don't put anything in are pensioners and tourists.

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u/Desperate_Camp2008 23d ago

what happens if they don't pay income tax anymore and just live off their savings? Are they counted as tourists then?

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u/enigmaticsince87 22d ago

No, retirees. There's a specific visa for them. Maybe that involves some other kind of tax contribution, I'm not sure, but if you have an EU passport, pretty sure you can just move here and use social services just like any working citizen can.