Eight key lessons I’ve learnt about being self-employed in Spain

As of 2025, there are approximately 3.3 million autónomos or self-employed people in Spain, including those on the digital nomad visa, facing challenges such as complex bureaucratic processes, high social security fees, and significant tax payments. Despite the appeal of Spain’s lifestyle, financial survival can be tough for self-employed individuals. Additionally, obtaining a mortgage as a self-employed person may prove challenging due to stricter bank requirements.

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