@Stephen *****
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Wait until you have the 400k.
Apply for a 1 year retirement visa if you are 50 or over, but it turns to 65k a month, not 40k, then change it to a spouse extension later.
There are no other real options apart from getting a job here or enrolling at a university here and getting a visa based on them.
There's elite visa, but if you don't have 400k, then you can't afford it anyway.