Simply put, enter Thailand on tourist visa, go to immigration here, apply for non-o, open bank account, deposit the funds, $800,000, then at end of 3 month non-o, apply for extension of stay, 365 days, for purpose of retirement. After 1 year, you can bypass 800,000 deposit if you have consistant 65,000 per month each from home country to Thai bank account. It is not too conplicated once you get the 1st 365 day extension of stay.