David Gillette

The 'worst way to go' argument only holds true if you are an average representative of your age cohort. If you follow the standard trajectory of physical decline, then yes, staying in the pool is a bargain.

​However, for a high-performing 'outlier' over 65, the financial logic flips. Here is why:

​The Morbidity Subsidy: Traditional insurance premiums for seniors are calculated based on the average health of the group—a group often characterized by sedentary lifestyles, chronic inflammation, and metabolic dysfunction. If you are a disciplined athlete with optimized biomarkers, paying those premiums is not 'protection'; it is a mandatory subsidy you are providing to the less healthy members of your peer group.

​Guaranteed Loss vs. Strategic Liquidity: High-tier private premiums for the 65+ demographic are aggressive. Over a decade, that capital is permanently eroded. By self-insuring with a dedicated safety net, you retain sovereignty over your capital. You aren't 'burning' it; you are keeping it in a liquid, interest-bearing state, only deploying it for high-precision interventions if and when they are actually required.

​The Epistemic Gap: 'Risk' is often just a lack of data. In a Block Universe context, your biological trajectory is already a set coordinate. For the individual who monitors their data and understands their own biology, the 'uncertainty' that insurance companies charge for is drastically reduced. Why pay a premium for an 'unknown' risk that your own data tells you is statistically negligible?

​In short: Self-insurance for the healthy elite isn't about having 'cash to burn'—it's about refusing to pay for the 'burn rate' of a demographic you no longer belong to

The insurance inflection point typically occurs at age 65. While a 57-year-old still benefits from relatively balanced pricing, a healthy person over 65 is forced to pay for the 'average' condition of their age group. For those with sufficient capital, self-insurance at this later stage is a more efficient allocation of resources, bypassing the structural health tax imposed by standard age-based pooling."

If one spouse meets the retirement requirements, the other can join without needing to meet the age or financial criteria independently.

​The "Lead" and "Dependent" Strategy

​Since you only want to show 800,000 THB, you would follow the "1 Retirement + 1 Dependent" path:

​Primary Applicant (50+): Applies for the Non-Immigrant O (or O-A) visa based on retirement. This person must show the 800,000 THB in a Thai bank account (or 65,000 THB monthly income).

​The Spouse (Any Age): Applies for a Non-Immigrant O visa as a dependent (often called "following family").

Gardar Mar Hreindal Svavarsson some haters of boomers

Trevor Ettridge it depends on your age, if your biological age is younger than your anagraphic age it's not worthwhile, you're paying for others' risks like sedentary people, smokers, and alcoholics

From the 2nd year .Your statement of 12 months before the application,and letter of the bank in this sense.The transfer must be from abroad

@David ******

You do not need a True Move SIM card to use the TrueMoney Wallet app. You can download and use it perfectly fine with your AIS phone number.

Since you are in Thailand, here is how to make it work for your 7-Eleven trips:

1. Can I use it with AIS?

Yes. The app is carrier-neutral. You just need a Thai phone number (which you have with AIS) to receive the OTP (One-Time Password) for registration.

2. Is it useful for 7-Eleven?

Extremely. It is the primary cashless payment method for 7-Eleven in Thailand.

* Small Purchases: You can pay for anything, even a 10 Baht bottle of water (unlike credit cards, which often require a 200 Baht minimum at 7-Eleven).

* Points: You can link it to the "All Member" rewards program to collect points.

3. Setup for Foreigners (KYC)

Since you likely do not have a Thai National ID, you will need to register as a foreigner.

* Download the App: Select "foreigner" or "scan passport" during sign-up.

* Verification: You will need to take a photo of your passport and a selfie within the app.

* Approval: Approval is usually fast (sometimes instant, sometimes within 24 hours).

* Limitations: With just a passport, you get a "Basic" wallet. This is perfect for paying at shops (7-Eleven, Lotus's, etc.) and topping up your phone, but you generally cannot use it to transfer money to other individual people.

4. How to Top Up (Put money in)

Since you don't have a Thai bank account linked (unless you do), you can top up the wallet easily:

* At 7-Eleven: Just walk to the counter, tell them "Top up True Wallet," show your barcode in the app, and hand them cash.

* Kiosks: Use the orange "Boonterm" machines found in front of many 7-Elevens (though the menus can be tricky in English).

Quick Tip: If you plan to buy a lot of small items (water, snacks), loading 500-1000 THB onto the app via cash at the counter once a week is much more convenient than dealing with coins every time.

If you have instead a Thai bank account and it's app

Instead of asking the TrueMoney app to pull money from your bank,( you cannot as foreigner, because cannot register with no thai id)) you use your Bank app to send money to TrueMoney.

Not the 800.000 baht. the monthly deposits ( from the 2nd year) must be transferred by abroad,pension or any else

Yes you can,from the 2nd year...you deposit > 65k every month,pension or transfer from abroad ,you can spend immediately

@John *********

if the bank writes the letter you follow this method the immigration accepts it,otherwhise the bank answers you they never did same before,if they did before ,the immigration accepts