US$9,900 is not a small transfer.
Comparisons that I have done over the years has shown WISE to ALWAYS be cheaper for anything up to 1 million Baht. There is a tapering effect as the amount becomes larger but the difference in exchange rates has always been better than fees charged.
That, would be the least of our problems, have more than enough. Especially since, we have no bills, except phone & internet, and car insurance, which we really don't need.
USA ... Not much there in IRAs, but I don't need any funds at USA, or Soc Sec. Matter of fact, my SS could end tomorrow, and I'd have no problem staying in TH, till I crapped out. What little time that's going to be
Wife already has her retirement fund, and me, a very nice oops fund.
We have solar & BEVs. And living on a bartering system wouldn't be a problem if currency was useless. Especially after 1 growing season. As I said, 2 lots we have are empty now.
None of this was planned, it just sort of happened. Wife's hobby is gardening & growing food. Along with seamstress, and can make anything. Got a storage room full of material. She makes almost all our clothes now.
Me, I just hate monopolies, (PEA & big oil), hence the solar & BEVs. Without those 2 bills, I'm amazed how lttle we need to spend to live on. I actually banked all of my Soc Sec last year, and we lived on the pittance of my pension. Almost 2 yrs in a row, I didn't need Soc Sec, and I use the deposit method for retirement extensions, so not exactly pocket change. All went into her retirement account, along with buying those 2 lots, we ain't using.
I am 70 yrs old, and 35 yrs of working & investing, so have a wee bit to show for it. I had no kids, and a DINK when married in USA. Haven't carried a bank note, or interest payment in over 40 years.
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