@Michael ******
Ok, for retirement visa, if you don't have any savings in your home country, the $1350 pension (which equates to about 51,000 baht) is not going to be enough to qualify for a retirement visa, which has a minimum of 65,000 baht per month. Keep in mind you cannot work on a retirement visa. However, with the married to a Thai visa, the monthly commitment drops to 40,000 baht which is within your scope. You must however, have one year's worth of these 40,000 baht transfers in order to qualify for the visa. You CAN work on a "married to a Thai" visa. There is another perfectly legal way to get the marriage visa without any financial requirements. This is to go either HCMC consulate in Vietnam or to Savannakhet consulate in Laos (just across the Thai border from Mukdahan). These consulates will give you a 12-month O-visa (married to a Thai) with no requirement for any money to be put up. However (there's always a catch), with this visa you will only be stamped in for 90-days at a time, but as the visa has a life of 12 months, you can border bounce every 90 days (any border will do). If you carry out the final bounce close to the expiry of the visa, you can effectively get close to 15 months from the visa. This period would give you sufficient time to be transferring your pension at monthly intervals into your Thai bank account, which means you could then apply in-country for a 12-month extension, and provided you maintain the 40k monthly payments you can remain in Thailand indefinitely with no need for any further border bounces.
Yes there are ways around this by paying stacks of money to an agent, but as I've never used an agent, I'm not familiar with the process.
Your first assignment therefore is to find yourself a Thai wife! 😆