Get the non-O with your bank balance in the US. Come to Thailand and use that non-O to open a bank account and get yourself setup for the future.
Then before you come next time, get another non-O visa, and once you arrive you can transfer the money into the Thai bank account you already opened and you'll be well positioned to apply for your 1-year extension.
Anonymous participant 256 they don't know if it's a non-O based on retirement or marriage unless it's mentioned on the visa. Immigration doesn't have access to the MFA computer system. When they scan the QR code they see basically the same stuff that's on the visa.