You can apply for a Non O visa based on retirement in country on a TM.87 for visa exemption. You’ll need minimum 15-21 days left on your current stamp. The requirements are the same for both entries.
If you’re from one of the 93 nations entitled to visa exemption you’ll will as a general rule receive a 60 days free stamp upon arrival as you did last month until the day the immigration officer you’re standing in front of no longer consider you as a genuine tourist to Thailand.
You apply on a TM.7 form at the immigration. Normally you’ll need a receipt of your TM.30 address registration privat or hotell. You’ll need a pass photo, copy if ID-page and latest stamp in your passport and 1900 baht in cash.
Yes you can just leave 24K or 12K USD (retirement/marriage) in a Thai bank as a guarantee and "forget" it, and that’s it.
But you don’t have to save anything if you don’t want to. The requirements are just minimum income for life expenses every month. (From the second year).
Apply for a regular Non O based in retirement. The requirements are income 65K baht or funds equal to 800K baht. You’ll need to bank 800K baht for your first year in Thailand. For your second year you can use twelve monthly transfer of min 65K baht a month.
Or
Apply for a Non O based on being married to a Thai. The requirements are income 40K baht a month or 400K baht. For the first year you’ll need to bank 400K baht in Thailand. For the second year they might accept monthly transfer of min 40K baht a month which not all immigrations do. Then you’ll need 400K baht every year.
So if you fulfill the requirement for a regular Non O and yearly extensions of stay based just on retirement, it’s the best and easiest route.