@David **********
No, Thai people don't earn 150 baht a day. Go and look up minimum wages by province. And expats face high expenses that locals don't. Just take healthcare. If you get into a car/motorbike crash, you'll probably end up at a private hospital, and will face ridiculously high bills that hopefully your insurance will cover. If not, don't be one of those people who burdens his family and friends back home with a GoFundMe. An emergency fund is a must, and 15k USD is not much to save.