No doubt wine is vastly cheaper in Australia and BYO , I could go any places for 2 for $60 plus my Dan's wine .
That being said I have lived in HH 7 years , and my rent for a small house is around 10.5 k baht a month , always think in baht , exchange rates are exchange rates .
Invest in Australia , maintain tax status and reside in Thailand if you are healthy, which I am .
The real cost of 800k per annum is 88k per annum on the bottom , Thai banks are stable enough that's reasonable , but it's pretty logical the not pass up the 88k , if you have even a remote idea of what you are doing .
In the current environment I get vastly better returns on that capital figure elsewhere , and yes It well and truly have the funds , but the answer is extremely obvious .