What are the steps to transition from a 90-day Non O visa to a 1-year Retirement visa in Thailand without having 800k in the bank?

John Marsala thats great...im not sure which country u are from but please do check with your embassy in thailand do they issue affidavit of your pension/income...if YES and thats great after u arrived in thailand get yourself a thai sim card under your name ....6mth/1yr lease and open a thai bank account (suggest kasikorn/SCB) can skip the residency cert( depends on branch) visit your embassy and get affidavit of income/pension ....when u have left less den 30days of your nonO visit the immigration to do your 1yr extension.......if your embassy does not provide the affidavit im sorry to say the only way for your 1st extension is the 800k method and it have to be seasoned for 2mths before u can apply for extension and lastly theres another option (avoid if possible) get a agent to put that 800k for your acct (might cost more) and assist your extension....hope this helps