@John *******
I haven’t worked a day in a decade. I retired fully at 47 due to a solid grasp of basic finance. And I definitely do mind standing in line with the 21 year old rastafarians and ‘cheap Charlie’ crowd for no apparent reason. And let’s not forget you must do the same at your bank every year. I’m obviously not as bored with my life as you, but maybe that will happen as I age 🤷♂️
The agent annual renewal cost may have risen to 20k this year (not sure) but no higher. And you don’t need to throw your money in the garbage by bringing 800k to Thailand to sit in an account making 0.25%. It’s honestly quite simple. If using the 65k method, great. It makes more sense to go stand in line and save a few baht.