The hack is to first go on OA visa which doesn't require 800k in Thai bank. As soon as you hit Thailand, start the 65k/month regime. Bounce at 12 months to get the second "free" year. At the end of that year, bounce again, coming in on free stamp. Apply for 90-day non-O using the almost two years of 65k transfers to meet criteria. 45 days out from expiry, go the 12-month extension, again using the 65k transfers. Set for life. Two important things to remember, one is that all transfers MUST come from overseas, and you CANNOT miss a single month of transfers.