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Answered7 months ago

What financial security do single retirees bring when moving to Thailand?

SilverHedg**********
asked Apr 9, 2026
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T H A N K S in advance for any useful answers you might provide as a result of your experience or interactions with others. Bail out now if you tire of long posts.

Post reason: data gathering for decision support...

-------------------------------------thinking about :-------------------------------------------------------------------------

Selling u.s.house this year

.vs.

Rent out for a few years(3-5) while price increases AND HELOC gets paid off.

(I have a trusted young friend who can manage/mauntain for the next 3-5 years)

Taking the cash now verses possibly doubling it in 3-5 years will affect my nest egg size.

E$timate$: (on the low side, allowing for less than "stellar performance")

5-6 milThaiBaht (house sell price - HELOC) 300 minus 100 k.usd

vs.

10-12 milThaiBaht

(3-5 more years of appreciation and NO HELOC to pay off) 400 minus 0 k.usd

Also, some upgrades to occur while price goes up in a good seller's market.

----------------------‐----------- THE QUESTION ------------------------------------------------------------------------------

about self-insure/nest egg...

ARE SINGLE RETIREES COMING HERE WITH:

NO NESTEGG?

Less than 200kUSD?

200k-500kUSD?

WHAT $________usd?

OVER 500kUSD*? (*Well done sir/madam)

I'm not asking you to state exactly what you have, but you "may have heard" what your friends or others are coming here with.

----------------------------------details below-----------------------------------------------------------------------------------

Much & Many Thanks to anyone who hangs in there and reads this long post, but it is something all?most? of us will/are/have consider/ing/ed.

0. Currently living in Thailand part time on two 3 month visits per year. I'll be on a non0 by Oct (yes agent, a whole other topic)

1. Monthly pensions>100kThaiBaht, so I'm ok on the monthly for 2people in Thailand🇹🇭.

2. No nest egg other than 1 u.s.house and ~$70k life ins.policy.

2.a. life ins.policy is intended for my girlfriend.

3. Health insurance will be some what difficult to get at a reasonable cost for 70 yr old and won"t cover pre-existing conditions and a few other old.dude things.

Reading up on healthcare in Thailand I find that self-insuring is a thing.

For the record: self-insure = big$ca$h in a bank [or equivalent credit / easily liquidated].

Besides the knee, I'm in good 70.yr.old health with demonstrated family longevity into the upper 80s to mid 90s.

Again... thank you for your time
Answer summary
The post discusses whether to sell a U.S. house or rent it out while considering financial decisions related to retirement in Thailand. The author seeks insights on the financial situations of single retirees moving to Thailand, specifically regarding their nest eggs and insurance plans. Commenters provide diverse opinions ranging from the importance of having a financial buffer for healthcare needs to asking questions about visa types used for extended stays.
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Stephanie *******
Stephanie *******
I see you'll get 200k from the house right now. That's a decent self insured Healthcare buffer. I wouldn't chance screwing around with being a landlord and seeing if the house will appreciate more. Like all things that's just a gamble. If me I'd take the money and run...
Paul ******************
Paul ******************
I don't have any advice or personal experience to relate but if you would be so kind as to share with me what visas you use to cover two 3 month visits per year I would much appreciate it.
TalentedT*********
TalentedT*********
I don’t think I’ve ever seen so many different punctuation marks in the wrong place before.

It’s completely baffling.
Peter **********
Peter **********
Marty *********
Marty *********
I’m sure you will get answers from all over the map and you still will not know what to do.

My opinion - the responsible thing is to have a nest egg. For 2 people - I would say at least. $100k. At 70 years old assume you will be funding your own healthcare.

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