With health care and money pot in place, it does not have to end there. Not having to work is not the same as working when you want to. Many supplement their “money pot” by doing other things that earn a little money on the side whilst doing what they enjoy.
Examples from people living in the residential parks include article writers for websites through to making personal cards. They do that when they feel like it, and the money they earn means they draw less from the pot.
The trick is not to work as such (as that requires being self-employed and involves costs) but to earn a little something now and again and declare what you get as casual earnings. Being self-employed part-time in Spain is not usually worth doing because of the costs involved.
Self-employed pay up to 305€ a month every month, although that does include state health care.
Having said all that if the plan is to retire early so you can sit on the beach all day, then you will get older quickly. If the plan is to go out and live life to the full, then you will stay younger for longer. The Mediterranean lifestyle is a very healthy one.
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