Wine & Wealth #004 - Financial wellbeing for freelancers in Spain.

Freelancing in Spain can be rewarding, but it also comes with unique financial pressures: irregular income, delayed payments, managing currencies, and the emotional ups and downs of feast-and-famine cycles. In this session, we’ll unpack those challenges and share practical ways to build clarity, confidence, and financial cushions that actually work in Spain.

Over a glass of wine (refreshments are included with your ticket), you’ll join a relaxed but insightful conversation covering:

• Mindset shifts to reduce money stress and avoid feast-or-famine cycles.
• How to budget and structure your bank accounts to keep things simple.
• Smart tax and withholding strategies for autónomos and employees.
• Setting realistic financial goals and building your personal finance framework.
• Pensions and retirement planning in Spain: what’s worth considering.
• Strategic tips for freelancers, including multi-currency management and insurance.

We’ll end with an open Q&A where you can bring your own questions.

, Barcelona’s leading financial technology community.

📘 All attendees will also receive a complimentary e-book guide on the topic as part of this event.

Speaker Bio – Elliott Locke, ACSI

Elliott Locke is the co-founder and CEO of abroaden, a platform dedicated to making personal finance clearer and more accessible for people living abroad. Originally from the United States, Elliott has been based in Europe since 2002, where he studied Business and Economics at Vesalius College and the Free University of Brussels.

With over 15 years of experience in financial services, Elliott has worked across institutional banking and fintech in roles spanning operations, marketing, strategy, and product development. He holds professional qualifications in International Wealth and Investment Management from the CISI.

Elliott co-founded abroaden after seeing how difficult it was for the international community to access transparent, low-cost, and unbiased financial guidance. In addition, he is the co-founder of BCN Fintech, Barcelona’s leading financial technology community.

About abroaden

Based in Barcelona, abroaden is the financial companion app designed for people living and working abroad. Our mission is to make finance approachable, practical, and inclusive — helping you master not only the basics of money but also the local rules, customs, and cultures that shape financial life in a new country.

We believe financial knowledge shouldn’t just be reserved for the wealthy. Wherever you call home, abroaden gives you the tools and support to reach your goals and build the future you deserve.

Here’s how we help:

• 📚 A growing library of courses, micro-lessons, workshops, and exclusive content to expand your knowledge.
• 📊 Powerful tools to make data-driven decisions, including account aggregation for your bank and investment accounts.
• 👥 1:1 support with our financial experts.
• 🤝 A marketplace of trusted partners to help with day-to-day life abroad.

👉 Learn more at abroaden.co or explore our online school at education.abroaden.co.