Buy 2 Bitcoins today. In 6 years they are likely to be worth around USD1m.
Deposit these coins on an exchange that offers crypto secured loans (Binance, Bybit etc) and then start to draw down your living expenses whilst holding your Bitcoin.
That’s it - basically the Bitcoin is likely to grow much faster than you can spend it here and you should be able to continue to increase the loan. Of course the more you expect to spend the more Bitcoin you will need to hold.
There are many condos (and a few villas that have been classified as condos somehow) in Phuket where the developer offers loans.
I’m not into renting property as a money making enterprise but the rental returns in Phuket are some of the highest in Thailand - more than cover the inflated interest rates the developer inevitably charges
Basically you’re looking at Pattaya / Jomtien, or Hua Hin, or Phuket.
The beaches in Phuket are by far the best of these, and if you choose to stay in the north of Phuket (Bangtao Besch or above) you will be at great beaches and still 30-40 minutes from Central mall.
What is your idea of a tourist trap ? There are maybe 10 beaches to choose from Bang Tao and north of there,
she resigned after pretty much being worked to exhaustion for 2 years - all very amicable and she’s still spending an hour or two each day supporting her replacement (unpaid of course)