@Brandon ***********
yes, and to add that #2 becomes an option for your 2nd extension and beyond once you can show you have transferred 65k+ every month to your Thai bank account for the past 12 months. - although the question may be specifically about the initial retirement visa application rather than extensions, which would be like option #1 but you can use your home country bank account to show you have the funds. (The options listed in the post appear to be for the extension, not the initial application)