@Ruth ******
No Thai, at least none to speak of. Suwadee kah, kohp koon kah, enough to be polite, but not a lot beyond that. That is enough to get by in CM or Bangkok, but not enough for further exploration of Thailand.
One on one is the best way to do it. One on one with my excellent teacher (she is hilarious) forces me to put the words into conversation and teaches me the tones. The language school will be a lot easier once I have moved beyond the beginner stage.
Since the plan is to eventually spend a good deal of my time in Thailand, learning the language is going to be helpful.
I don't really want to use my IRA. I would rather work online and earn the money to put into my Thai bank accounts to use for the future retirement visa. So the ED visa seems the best way to return to Thailand once the "crazy stuff" with the virus is over.