First of all, you cannot go the consulate. All visa applications are now done online through the e-visa system, and foreigners are no longer allowed on the property of the Thai embassies/consulates.
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Your retirement and social security don't matter, because the US Embassy in Thailand does not provide income verification. The only way for you get a visa in Thailand or to get an extension will be 800,000 Thai baht in a Thai bank account in your name.
This bank account will be nearly impossible for you to get if you travel to Thailand as a tourist, as the banks do not give bank accounts to tourists. Since you must have the money in the bank already in order to apply for the retirement visa in Thailand, you will end up paying an agent to help you open a bank account if you travel to Thailand as a tourist.
It's better if you get the 90 day non-O retirement visa before you travel to Thailand, and with that it will be relatively simple to open the bank account and deposit the money you will need in order to apply for your first 1-year extension.