That's why I asked about the 400k.
Putting taxation aside for the moment.....after you obtain the 12 month extension those funds can be spent.
House purchase aside 400k is not a lot of money to support both of you for a year.
Keep in mind the 400k will need to go back into bank account 2 months prior to next extension.
Back to taxation issue.....it's not clear where your income comes from and where you are paying taxes and also amount of income.
I dont find it subjective.
Some think you can live in Thailand with a Thai partner on very little.
In your posts so far you have indicated ".,I would consider that a lot" (400k)
You also mention a house.
If Thai wife has land (family) then perhaps 400k could be reasonable however very modest.
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