Is it difficult to apply for a retirement visa in Thailand myself without an agent?

Applying for a retirement visa (NON-O) in Thailand is generally not difficult to do yourself, even if you don't speak Thai. Immigration officers often speak English, and the required documentation is available in English. It's advisable to prepare bank letters confirming your balance of over 800,000 baht, have copies of your passport, and to check the specific requirements at your local immigration office, as they can vary. Getting organized with your documents can simplify future extensions, and many expats find the process satisfying to do independently rather than through an agent.