IF you have a 90 day non-o, your local office may offer the 60 day visit Thai family extension allowing you more time before applying for the 1 year. Ask at your local office.
First thing to is contact the US thai embassy you will use and ask this question:
"My husband will apply for a 90 day non-o visa based on retirement.
I would like to apply for a 90 day non-o visa as dependant spouse.
Is this possible?"
There are still a few embassies that will issue a retirement and dependant visa.
Then you could both enter with the visa and extend 1yr in Thailand once he has money in the bank.
Having the visas makes opening a bank account much easier.
You would be his dependant and not require to wait till you are 50.
IF YOU choose to:
You husband could get an 1yr OA VISA , thats requires health Insurance perpetually, and you could apply for a 90 day non-o dependant on his visa and then extend for 1yr in Thailand.
There are a couple ways to make it easier without needing 1.6mil baht in a bank. You would only need 800k in both these scenarios.
In both cases getting your e-visa first is the best course.
Getting the bank accounts in Thailand right now is very problematic without at least the 90 day visa.
if you apply without 800k and you get turned down for the income method, you start over. Many including myself, just lock 800k away and never worry about it again.
nope. 800k 2 mths before extension , 800k 3mths after approval, never below 400k, back up to 800k 2 mths before next extension. Rinse and repeat every year.