right, for me it wasn't about time or effort ...it was all about being forced to lock up $30K in a non interest bearing foreign bank account. That 30K can generate a lot more than $400 invested in an S&P EFT fund.
using a visa agent is another way to get it done, but it's still easier and cheaper to get your first 90 day pass before you enter. Agent will then get you the 1 year extension. Agent will charge you triple if you enter as a tourist and do not have an existing Thai bank account.
Get a 90 day Non O Retirement visa from the Thai consulate nearest your US home. Enter Thailand. Open a bank account. Deposit 800K. Wait 2 months. Get a bank statement notarized. Go to Immigration. Get a 12 month extension. Now you're good for 1 year. Wife needs to do the same. Separate accounts, 800K each.