NLV Finances

You have to show that you have 36000 for each of the years. If it is income there is no problem, you don't have to show you have 72000 at one go, just that you will get 36000 for each of the next 2 years. 

You may find the contents of this link helpful:

https://www.immigrationspain.es/en/renew-non-lucrative-visa/

Do you have any chance of obtaining an Irish passport?  The NLV does appear to be confusing with what happens in the consecutive years and of course you will need to have privacy medical insurance. Good olé Brexit!

This link explains entitlement to Irish Citizenship:

https://www.citizensinformation.ie/en/moving-country/irish-citizenship/your-right-to-irish-citizenship/#2ba3c7

Hi No we can’t get an Irish passport, we have got S1 via the NHS so no need for private insurance.

what’s confusing us now is the Tax system and being told we will be taxed 24% each year, which seems a lot considering our money has been taxed in the UK before transferring to Spain …omg it’s a mine

No idea where you got your 24% from. If you become a resident you will pay income tax as any Spanish citizen. You get a tax free allowance due to your age, marriage status, income etc and then pay 19% up to a certain amount, 21% above that and rising in increments just like it does in UK. The only 24% bit is that non EU residents pay 24% of their deemed property value in non resident tax as opposed to EU citizens who only pay 19%. Residents are treated the same as citizens and there is no 24% blanket tax on anything.

You will pay income tax on all world wide income less crown pensions such as Armed Forces, civil service and many others but your state pension will be included for tax purposes. 

You will also advise HMRC you are now resident in Spain and you will not pay income tax in UK except on those crown pensions I mentioned. You can only be taxed in one country under the dual tax agreement and that country will be Spain.

You will also pay an annual council tax (called IBI) which, for me, works out about 250 euro a year instead of 220 pounds a month in UK.

Of course, there are other taxes but someone has misadvised you on paying 24% tax on all your income. 

It is a mine field indeed and Brexit has made it worse. For example I had a UK savings account and I was told it had to be closed as I no longer lived in the UK. Some private pension companies will not provide a pension plan as we don't live in the UK. A 25%  tax free pension lump sum in the UK will be taxed by the Spanish government if I should take it now. There are many things to consider and understand about living in Spain. It is generally much cheaper and we have sunshine.

This link will provide you with a comprehensive overview of the Spanish tax regime:

https://www.expertsforexpats.com/country/spain/tax/taxes-in-spain/