The idea of possibly retiring to a lower cost of living country comes up in online discussions. It relates to people identifying that US social security isn't enough to live on, and that their own retirement savings seems a bit thin. The numbers you see vary, but per a quick check with Google 40% of all Americans have no retirement savings, and that only reduces to 20% for Americans over 50.
This isn't about all of that. It's not even about complications in living abroad, although I will start with that theme, to explain what may not work well, or why it wouldn't work at all for some people. I wanted to explain what retirement tends to look like in Thailand, how people tend to live. Obviously I'm drawing on online communicated stereotypes and discussions; I don't know all that many retired people. But for many it's a complete blank, and I want to help fill that in, since I've been living in Thailand for awhile (about 18 years). Of course scope will be narrow, just thoughts or range that comes to mind, in part related to questions that come up. Like these:
How developed is Thailand? What do different areas look like? Do expats / foreigners tend to live in "enclaves," or not? What are different area options, versus just city, rural, and beach or island based?
Let's start with the problems.
Difficulties / problems
Oddly a visa isn't one of them. With sufficient savings or proof of income anyone can get a retirement visa in Thailand. I suppose if someone is quite poor meeting these minimums could be a real hurdle, if they are living on zero savings and social security. But for many it would just relate to issues with proof, demonstrating that security with or without pulling out funds to place in a Thai bank for demonstration purposes (which might be required).
If someone isn't retirement age (I'm not sure the cutoff) they might have a different problem, since they probably wouldn't be eligible. Thailand offers other visas, for investors, or shortcuts if you pay extra. I suppose from there someone could try a work-around instead, to get an education visa to go to a low cost institution, whether they are really studying or pursuing an educational goal or not.
Thailand continually weeds out people manipulating visa channels, using them improperly, but there would still be exceptions to work with. It would be for the best to not rely on "work arounds" that involve cheating the system though. People of different ages could take part in different forms of education, and in Thailand it might be broad enough that you could learn muay Thai or cooking, versus being in a degreed university program. It's crazy how inexpensive and broadly themed vocational education options are in Thailand, but that applies a lot more to Thais, and foreigners would need to do a lot of research.
Communication both is and isn't a problem. Enough people speak English that even out in rural areas you could manage transportation and buying food and such, with essentially no Thai language skills. But it would make for an uncomfortable life experience, only learning a few basic words. Speaking a few hundred words, even badly, would go a long way. That's not that difficult.
In the short term society seeing you as an outsider might not be so negative, but in the long run it may not feel comfortable. The US forms of racism or bias against immigrants isn't copied over; it would take another factor or two for someone to get beat up over it. So this leads to the potential "enclaves" or expat gathering center theme I'll get back to, about people gathering together around others with similar background, to experience a limited and very local familiar culture, which I'll cover related to how that works out by area (in a few cases; none of this is comprehensive).
Missing home is the real issue. Lots of people love the differences in an early honeymoon period. New foods can seem fantastic, and low cost of living really freeing. Problems that you would expect not coming up, the racism theme, could seem like more acceptance than it really relates to. Romantic options could seem open (more for guys, and that tends to take a pay-for-play form, whether that's explicit or not). But lots of familiarity is also missing. Driving is more difficult, for awhile, and food options aren't the same. Interactions with government systems are difficult, for example getting a driver's license, which you can do. Beyond any of that it can get old being an outsider. Or I suppose anomalies would come up, like someone not tolerating hotter weather well.
Different locations
Pattaya: the sex tourism capital; for one type of transplant this is the obvious choice. There's not much more to add about that. Some people claim that Pattaya is really fine for living a life that's not based around that, but it's really all over the place there. You could appreciate Western food or decent medical care options there instead, and I suppose if you lived in a quiet and out of the way part the sex industry might not come up much. But in general if you are there it's for that.
Phuket: this other main resort area might provide a better balance for people not so focused on the sexpat theme. It's an option in places there, but it looks and feels like a normal island resort too. There is a "downtown" part, and shopping, dining, and medical care are probably all fine (I've experienced the first two, on visits, just not hospital visitation). There are a number of muay Thai gyms there; I suppose some few older guys, or women, might take up training to stay in shape. Beaches are a little cleaner and more conventional than in Pattaya. You can visit Rayong and go out on snorkeling outings not so far out of Pattaya too, but Phuket is more what one would expect for an island or seaside resort. Our kids took surf lessons there on a visit once.
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surfing in Phuket; I'm sure it would get better than that at times, in other places |
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recently in Waikiki; conventional sized waves, that can get a lot bitter |
It's interesting hearing about how there are too many Russians in some places, or whoever else, increasing crime rates. People who spend lots of time in bars tend to pick up a different perspective than I'd ever have. It's nothing like Mexican cartels making some places unsafe. Older guys do tend to die a bit often in Pattaya, per a favorite online story line, but it's probably more related to suicide than due to others' choices, even if both happen regularly.
All of Thailand is pretty safe. Drinking every day is a much higher risk than foul play. This is just my take, but it seems like the darker the aspects are related to your lifestyle the more your risks escalate. People doing illegal drugs bring risk on themselves, for example, and even more by drug dealing. There's a favorite story line about foreigners being taken advantage of just for investing a lot of money, especially related to marrying a Thai, and I suppose if a lot of money is at stake potential risks could increase. Trusting random people with millions of baht is probably a bad idea.
Isaan: this is really where a lot of older guys end up, and a much smaller proportion of female retirees. It's a great place to lead a quiet life. The harsh, sometimes true story of a foreigner building a house in his wife's name, and then being cheated out of everything, must happen from time to time, but in general many more people must just lead quiet lives instead. Foreigners can't own land, which could lead to those circumstances, having property and a house in your wife's name. Or renting could work.
I think people just love those stories, and there is no story if some guy lives out 20 quiet years. Probably in some cases the real details about someone experiencing ordinary misfortune aren't interesting enough, so that gets spun into something else.
One downside of Isaan life could be that it's pretty quiet there. It's not different than in rural areas anywhere else. That could sound good to someone, and could be experienced as very positive, then a year or two later it might not seem as pleasant and balanced. I remember meeting local expats in a hotel gym / spa area once, talking a little about how life goes out there. They didn't make it sound bad, at all, but there was a sort of desperation related to any mention of boredom. To be clear where I'm from, in rural Pennsylvania (the US), it would be worse. There aren't small communities on the same scale as nearby, just mostly small towns and tiny villages, and almost no one is moving there from anywhere else. The one upside, related to the US, is that the roads are a little better, so you can travel further at a faster pace, so it all balances back out.
They have small local markets and food courts in different places all over, but you can tell this is Bangkok instead by the elevated highway. Apparently I don't take that many pictures of normal markets when we visit smaller towns, but I do have others.
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a Lopburi monument (there would be things like this in lots of places) |
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inside that monument. what remains in places varies a lot. |
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all of those monkeys are all around you outside, and on the streets. |
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a sidewalk fruit market there is pretty typical. |
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Thai history goes back to the stone age, with interesting stages in between then and now. |
Roads are pretty decent in Isaan, but it's all relative. The main highways aren't like US interstates, and "country roads" can be a bit basic. It doesn't seem unsafe to me, driving in rural Thailand, but you have to pay more attention, and adjust speed for conditions. It goes a lot better than you might expect, but at the same time longer distances take a bit more time, compared to road travel in the US.
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this could be lots of places, but I think it's in Trat |
One might wonder what is out there, beyond farms, and small towns. Temples, of course. Plenty of parks, and some museums. Historical areas turn up here or there. It's funny how often expats complain of dual pricing, of paying more to enter natural areas and parks, but I suppose if you were going to them frequently paying 300 baht ($10) instead of 30 could seem a bit insulting, especially if you pay a lot more taxes than most Thais. I don't know that it's mostly about the actual expense.
They do the same thing here, in Hawaii, and visitors from anywhere else pay to go to some places that are free to locals (Hawaii residents). I get it; the idea is to protect your local residents from experiencing costs meant to be imposed on visitors. And that seems to be the rub for resident expats; they see themselves as local residents. But they're not Thai.
Bangkok / Chiang Mai: I was going to list out lots of places foreigners tend to live in Bangkok, but this is already running long. It's possible to find that out online. As I see it Chiang Mai is fairly comparable to Bangkok, maybe just better for being a little bit less of a sprawling mess, even though their traffic was already bad enough a decade ago, and must be much worse now.
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where I run around a palace in Bangkok. I'm not going to show much of the city though. |
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a canal area on the walk to a local market near our house (in Bangkok) |
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a temple on the way (of course) |
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these drainage canals are cool, but can be a little smelly |
Let's run through where some expats live in Bangkok though:
Udom Suk: one main transplant hub, on "deep Sukhumvit," that might be called, versus lower Sukhumvit. Suhumvit is the main road in Bangkok, essentially, running east and west with a N / S tilt to it. This is on the far side, out east, and south, towards Bangna. The areas are summarized as BTS (skytrain) stops; really the two stops on either side of Udom Suk aren't so different, since they're not that far. There would be plenty of apartment complexes there, and restaurant options, with lots of it local in character (cheaper, more casual). Even further out there are other areas, including Bangna, and foreigners would end up living all over the place.
Tong Lo / Ekamai: the next level closer to a center of the city, but there is no singular center. Maybe the Siam BTS stop area is more like a center, but it's not that. These are trendier, and probably costlier areas. Further on yet Asok is a main intersection area, again still on Sukhumvit and that BTS line, maybe as much the main center for expats to live as anywhere else. There's a red light area beside Asok, Soi Cowboy. I'm not sure that's the primary reason for its popularity; there is a lot of things right there, including a main mall (Terminal 21), a few shopping areas, a nearby large park, and so on.
These places would be more costly, but you could still find ordinary apartments around there for 20 to 30,000 per month, I think ($600 to $1000 USD). High rises with a pool and gym would probably run on the high side, but there would be other kinds of options. Other costs of living would still be kind of low. It's a little hard to summarize what I mean by that, since running through costs for food, groceries, different kinds of restaurants, gyms, and so one would make for a good 1000 word summary. You can buy a bowl of noodles for not very much all over, $1 or 2. Groceries never cost that much. In restaurants more oriented towards a higher end or more foreign clientele costs rise, but it's generally nothing like where I am now, in Honolulu, where $30 doesn't go very far to get something to eat. You could spend that at Subway, and not get much for it.
There's a Japanese expat area near Phrom Phong, not far from Asok. I don't keep track of those sorts of separate foreign origin areas, but of course Chinatown has connections back to China, and there's a little India, of sorts. There is Middle Eastern influence around the Nana area, which contains another red light area. Those red light areas tend to be a bit self-contained, so someone could live 100 meters outside of one and not really be that affected by it. That's because it's not really an illegal business, even though in one sense it may not be fully formally sanctioned. That part is complicated.
Siam: people don't tend to live here. There's no zoning for what can be built where, but more commercial areas tend to not include that much housing. There would always be small apartment complexes not too far away, or a more pricey highrise kind of resident option almost anywhere.
Sathorn / Silom: these are nice areas, beside each other. Silom is also pretty commercial, but it's a decent size place, so there would be places to live around. Sathorn is more a central business area and a residence area (it's much bigger; it has different sections). There's no reason that Thais couldn't live in any of these places, but in general the local people we know are based from where their family had lived, or else they've moved into areas that seem a little more like suburbs, further out. I've worked in Sathorn and Silom and most people had long commutes to get there.
Nonthaburi: outside of Bangkok there are small areas where foreigners live, more of an enclave theme than what I've been describing. Some might be in Nonthaburi, or at least a friend happened to live in such a place there. There are very small complex areas where foreigners live within the city center too, for example not far from where the embassies tend to be. I don't have much to add about such places. Visiting one comes to mind, and it was nice how it was a small gated community (very small; maybe 15 small houses), with limited yard space for kids to play in. That kind of standard form of a US suburb isn't common in the center of the city though, and may occur a lot more often a little further out. Over by the airport my wife's close friend lives in such a complex.
Sub-culture themes
There's an interesting divide between expats who pride themselves on integrating, and others who love Thailand but don't try to change themselves or their own lifestyle to fit in better. It's all good, either way. Of course people who are fluent in Thai, eat local foods, have local friends, and "get" the local culture can tend to express that's better. Maybe I'm in the middle, even though I live in a Thai family, work in a Thai company, and was ordained as a monk at one point (as an example; that doesn't prove anything).
Expats can link up with other expats and still live a relatively local lifestyle, or naturally be introverted and somewhat isolated and still live a lot like a Thai. Or they could pick and choose, and eat foreign foods, but play soccer (football) with Thais, and so on.
It comes up over and over that Thais aren't generally seeking out including a foreigner in their social circle, that it's hard to be fully accepted. I suppose there is a perspective of foreigners being outsiders, which would take some effort to overcome. Language issues would be part of that. In the end foreigners do often find ways to link up with others, through sports themed groups, professional societies, or informal special interest groups. If an expat is sort of passing through, only spending a few years in Bangkok, or elsewhere, it would just be easier that way.
It's interesting how some things are really simple and easy in Thailand, even more so than in the US, and other things are pretty difficult. Maybe getting a driver's license is an example of a system designed to not work well in both places. Medical care is pretty straightforward in Thailand, compared to in the US. Quality of medical care varies, but plenty of that applies in the US as well, just less so.
Some pretty basic themes, like having someone cut your lawn, tend to work out better through personal contacts in Thailand, not so much whatever the modern equivalent of using yellow pages is (Google search?). Lawns aren't so common in Bangkok; I mean across the rest of that scope, like getting treatment for termites. My wife has so many personal connections with people who fix clothing, help around the house, are a better than average vet option, and so on. There are always different ways to do different things, but some may not work out well. Something easy, like being able to use a local pool to swim laps, may seem tricky, even though after you put the work into investigation multiple options would turn up.
It's for the best to avoid any involvement with Thai laws. If you open a business you can't, of course, but foreigners would have very limited rights to do that, so it would be tricky to (and costly, but it is possible, with Thai partners). I mean that you need actively observe cultural norms that overlap with legal issues, like not defaming others' public images online. In the US you can do that, but not so much in Thailand. Noise ordinances seem a bit less rigid, but again as an outsider you don't want to test those kinds of limits. If your neighbors are really loud it's better not to follow suit.
Maybe these kinds of sub-themes could add up to not feeling at home, not knowing where all of the norms and restrictions lie. It's atypical for men to walk around with no shirt on, but can you? Probably, where it makes sense, but it's better not to.
Transplant residents tend to not live in fear of violating the next norm, since Thais are pretty open and flexible, but different people would end up pushing it in different ways. One former expat once gave me the advice that eventually I would have someone draw a weapon on me, which related entirely to how he was living, that it had led to that. I'd have to think hard to recollect anyone speaking in an unkind manner, never mind anything like that. But if you transplant your entire worldview and set of behaviors with you, instead of minding fitting in, maybe odd things could come up.
Another expat told me that after a few years I would equally not fit in anywhere, and I suppose there is something to that too. I'm an outsider in Thailand and the US now, even though I feel at home in both places.



























