Check the air rates to Singapore and Malaysia. No entry visa is required to either country, which will save cost, if you're in Bangkok. Personally, I'd fly before hopping in one of those border run vans. Up to you. I'm glad DrJack was helping you, I don't think anyone else would have been able to get the 'whole' story.
So you're waiting for your retirement deposit to mature, or that's what I'm understanding.