Sounds crazy but you don’t need a visa. Bring only your passport and you’ll get automatically a 60 day visa exempt stay. Just before that expires go to immigration and pay 1900 baht for another 30. That’s 90 days. Then take an organized bus to Lao and return, you get another 60 days and 30 more at immigration. That’s 6 months. Enjoy.
Then go back to the USA and live in a cheap travel trailer then fly back for another 6 months and rathole money for the future. One possibility is marriage to a Thai women and get a marriage visa for 400,000 baht in the bank. Half of the 800,000.
Pat…here’s an idea. First, if you leave the USA more than 6 months you lose you Medicare Part D. So one plan is just Fly in with just a passport. You get 60 days visa exempt, then you can extend another 30 by paying 1900 baht to immigration. That’s 90. Then you can pop across the border for a day (they have cheap bus rides for this) and get another 60 exempt. Then another 30 for 1900baht. That’s 6 months easy peasey.