I stopped working for others since my 20's. All my income is online based "working" 2 hours a day. I could do this until the day I die, so I don't care and it keeps me busy. In fact I prefer to not stop working
Also, my wife works and makes her own very decent income, so my savings are not for 2 people as you anal yzed.
But I in fact agree. These savings are a bit risky for living in Thailand long term.