Now it all makes total sense as to why the funds needed go from 800,000 to 400,000 baht if you are filing for an extension of stay based on being married to a Thai national versus an extension of stay based on retirement. The Thai government views you as a dependant (this is the part I was missing). It is funny in a way, and most will understand why. Thanks again Ellie.

Funds are not an issue, but, maybe hold off on changing my retirement extension of stay? I want to make it as easy as possible, and do it the right way, but TIT, so sometimes there is more than one option. Thanks for thew advice.

@Benjamin *****

sorry, I used the wrong wording, since this is the third time that I've done this "extension of stay" the word renewed sounded appropriate.

I just renewed my O-A retirement visa last week. I'm still not 100% sure what the difference is between the non O and non O-A visa is. I was led to believe it is where you applied for it. Originally I had 800,000 in the bank, but last year, here in Chiang Mai I did the second option, which was to do a monthly minimum transfer of 65,000 baht per month. It must show on your statement as an international transfer. That option does make it much easier on me anyway, I use Wise. I did have to have the required health insurance. LMG has a policy for 7,700 baht (it's pretty much worthless as far as insurance goes) but it does satisfy immigration for now. I was told that changes to insurance requirements are coming in September.