It really does depend on your current financial status and your education level and work history. If you have saved a substantial amount of money and can use very little per year and allow it to grow through investments for your retirement. Also, if you have a college decree and good work history you might be able to find a job with a good salary.
In your 40's is part if your best income years and Thailand just doesn't have much professional opportunities.
I have been lucky with WISE transfers, I transfer THB 65,000+ every month from my U.S. bank account to my Thai Bangkok Bank account and it posts the next day at around 2:30 PM Thai time. Not sure what issues cause longer transfer times for others.