@Angie *********
you do the Non O online while out of Thailand ( like the DTV ). It should take about 10 minutes to apply if you have the information together. You can only upload one file for each required document, so you need to get all the bank statements into one document. That gives you 90 days in Thailand.
Once in Thailand you can apply for a 1 year extension ( this is the retirement visa )
Do not apply for the Non OA. Apply for the Non O, it has less requirements. Look on YouTube there are videos on exactly how the process works and how to fill out the online application. It's very straight forward.