@Heather ******************
Yes it depends on what interest you're getting in your home country. In my case, as Australia has a very good superannuation system, I earn around 7 to 8% interest tax free. That equates to around 60,000 baht per year. My insurance cost me 22,800 baht, which means I'm still 37,000 baht in front. I also started the 65,000 baht monthly transfer, so after two years, I left the country, allowing the OA to expire, and then reentered on an O, and used the 65k per month to get the extensions. For me, a no-brainer, although next time I go back to Aus, I'll be getting the five year OX