A simple view but basically true The only variable is that all embassies and immigration officers do seem to take a different view on the day with the DTV. It may be worth joining the DTV group to see the huge number of variables
For example Andi Traveller is correct but does not mention the 800K THB or 500KTHB required to apply for these visas and that is an important point with both these visas. Nor does he mention the "soft power" available for the DTV This is all outlined on the official site
FB is very much based on individual experience so you could end up even more confused. I learnt a great deal by reading and understanding the Thai visa official websites before taking advice from FB
You need to do some more research s there are so many options and you seem to be a little confused about the details. "retirement" and DTV require savings in a bank account not passive income. Tourist
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days are not sustainable and already immigration are clamping down on consistent use of these tourist visa