Thank you, Charlie. I agree with everything you said.
I just want to add that it’s not necessarily required to live in a rural area of the country to keep costs down. It really depends on your setup. If you own an apartment in the city, don’t have a car, and don’t have a family to support, you can probably live quite affordably in an urban area as well. But that requires a that requires an initial investment as well. Food and many basic necessities in Thailand are still relatively inexpensive though.
I probably spend more than I need to, but since I’m not overly concerned about budgeting, I don’t think too much about it. That said, I believe others could also live affordably in the city if they manage their expenses properly I don't live in an expensive apartment. The biggest costs in Thailand are usually accommodation and owning a car. Beyond that, most expenses come down to entertainment and luxury purchases. But if you live modestly, food is still very reasonably priced and would likely be your biggest regular expense.
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