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.

@Nelly ********

well, you get 60 days when you arrive and then extend 1 time in country for 30 more days. That is 90 days.. No need of a tourist visa.

First question is what is your passport Nationality?

Is there a reason that you want a tourist visa if you are able to get 60 days visa exempt entry?

@Zin ***********

Krungsri started face scan about a year ago, for foreigners also. Anything over 50k on the app requires it for me now.

Once granted you do not have to prove it again UNLESS you try to extend in Thailand.

As long as you bounce the visa remains intact for 5 years, without further scrutiny.

At least for now anyway, you never know what the future holds.

@Kevin **********

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.

@Kevin **********

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.

@Stephen ********

non-o is correct.

@Thomas ******

anything that confuses or complicates the process is bad.Keep it as simple as you can. Use the same account if possible then move it as needed.Not saying it won't work but, keep it simple.

@Thomas ******

yes.I Also recommend having the 800k in the account for the 2nd extension in case they don't accept your income method.