Thinking about retiring in Spain in 2026? The rules aren’t as simple as “have a pension and move.” Whether you have an EU passport or need the Non-Lucrative Visa, the details matter - income thresholds, how savings are assessed, healthcare cover, tax timing and even whether an old NIE helps you. This is the exact stuff that catches people out and costs them time and money when they get it wrong. If you want a clear breakdown of what actually applies to your situation, comment cost and I’ll send
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