There's no such thing as a "retirement visa". Assuming you're over 50, I think I'm right in saying that What you need has to be applied for in your home country (or a country where you have official residency). For example NON O or NON OA. Extensions of stay based on retirement can be applied for in-country (stringent requirements must be fulfilled).
Sounds like you'll not be able to live in Thailand (at least at the moment)
Too young to retire.
Not enough money to satisfy immigration requirements.
Tourist visa can be eked out for quite a while with border bounces, extensions etc, but they're tightening up on those who try living in the Kingdom under the wrong visa.
As others have said, come for a few months to see how it suits you, then think about options to stay longer.