Travel Requirements for Spain/Schengen

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From the comments, it is apparent you are from an Annex II country. (Annex II lists countries whose citizens are exempt from the short-stay visa requirement in the Schengen area.)

Often, citizens of these countries are not asked to prove that they can support themselves, but it is possible, and you should be prepared to do so. You do not need to have the required amount in cash; it's 2019. Or maybe 2020 by the time you get there. Everyone knows that people can spend money without having cash in their pockets.

You're probably aware that you should nonetheless have a good chunk of cash as a buffer in case there is a problem with your foreign bank cards. This has happened to me several times. But you don't need to carry thousands of euros.

If you're still worried about what might happen if you are challenged, consider bringing a recent bank statement to show how much money you have available to spend. Visa applications sometimes ask for the last three months of bank statements, to show that your spending patterns are consistent.

On the other hand, people with too much documentation are sometimes suspected of intending to apply for a job or a long-term lease, so if you do bring three months of bank statements, be prepared to have extra evidence to show your intention to leave before you use up your 90 days.

Health insurance is a requirement for visa applications, but it is not required by the Schengen Borders Code for visa-free entry.

A return ticket is not in fact required. If you don't have a ticket out, however, you need a credible plan for your departure and the means to purchase the ticket. That would of course be in addition to the €77.07 a day for your basic expenses. Similarly, if you mention plans that involve spending a lot of money, those amounts would be reckoned on top of the basic expenses.

But, to reiterate the second paragraph of this answer, the likelihood that the immigration officer will get into this level of detail is very remote indeed.

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