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How To Retire In Thailand Financially Free. The Exact Steps

Updated on June 2, 2017

Live it up - Retire early in Thailand

A step-by-step guide to retiring in Thailand

Firstly, I wanted to let you know that I go back and forth to Thailand to scuba dive and spend time with friends who have actually retired there on this plan. I could retire there today if I chose to. My financial systems are in place. But my personality keeps me seeking new adventures and coaching others to do the same.

That said, I have several friends who followed the exact steps I will lay out for you to retire in Thailand, debt free and with positively generated 'semi passive' income. They have followed these steps and now live in Phuket, loving life completely and maximizing their appreciation of life.

Let's look at a few lies that are perpetuated about the types of people who want to retire in Thailand by western feminists.

  • Dirty old men on pensions

Pattaya seems to be full of old men from the U.K who have lost the lost in their divorces who have been lucky enough to draw on the crappy little pension. Some of these men actually become stuck in Thailand, homeless, unable to leave because their visa has expired and nobody will help them purchase a ticket home. Even if they did, these men would be likely to end it all from depression. Their attitude is that if they are to be homeless, it is better to be homeless in Thailand.

But not all men are old in Thailand. There are many young, fit men who have given up on western women, tired of being emasculated and made to feel like a slave with no rights who go to Thailand to let off steam. And the beautiful women are more than happy to help.

  • The men who go to Thailand are all perverts

Certain areas of Thailand are very loose. Compared to western feminist standards, Thailand is viewed as an entirely sinful, corrupt place where women should not be so open with their time and bodies. Feminists hate the idea of Thailand.

But in actual fact, retiring in Thailand can be a better way to go for a single male because he can still meet non-Thai women. He will be meeting western and European women on vacation, who are also looking to completely let themselves feel free. People are much more open on vacation.

Men are made to feel bad about themselves in western culture. The view is that every western man is a potential rapist or child abuser if he is not a supporter of feminist culture. With very few rights in the family court, a harsh economic client, being expected to pay for dates, even though women say they want equality (when it suits them), to buy drinks, dinners, pay alimony as well as losing his home in divorce, western men are even becoming scared to hug a child fearing they will be seen as a pervert. They are made to toughen up, show little emotion, or alternatively become very submissive to a western female partner and allow her to have her way.

Men are also denied sex too often and are seeing very little reward for their ecouraged chivalry.

And so Thailand has become a haven that men, young and old, aspire to travel to.

The smart ones have worked out how to live and retire in Thailand permanently.

The Last Temptation in Thailand

A powerful onine audio book - The 4 Hour Work Week

Step 1: Retire in Thailand - Debt Destruction

While this step will seem obvious, it is worth hammering home.

The first step to retiring in Thailand is to rid yourself of ANY negative debt, including credit cards, personal loans, store cards and any other 'loyalty program' designed to enslave you.

Short term pain for long term pleasure should become your motto.

If you need to give up all of your weekends and evenings to get a second job, do it. Put any spare money into your debt reduction. If it means going without that expensive restaurant meal, the movies or weekend away, then make that sacrifice. This is one of the toughest things to do.

I will show you a few ways to use your money more wisely soon.

To keep your focus, continue watching videos on Youtube of Thailand. There is a documentary called The Last Temptation in Thailand. I will leave you a link. I highly recommend watching it.

Not only will watching these videos keep you motivated, they will stop you going out to spend money. All that extra money goes to smash that debt.

Once you do pay out your credit card, while some people recommend cutting it up, I recommend holding onto it. There may be $10k or more on that credit card that you can keep on hand for emergencies. Just do not spend it unless completely forced to, because as you know, the debt can suck you right back in.

Many homeless westerners in Thailand have reported bankruptcy. You cannot go bankrupt if you don't have debts and financial obligations to others.

Also, your previous mindset will have been to save for your yearly Thailand trip. Knowing this, you probably had your credit card on hand for 'reward points', hotel accommodation and extras. You then just worked on paying it down when you returned to your old job.

To retire in Thiland your focus will be extremely different. You are seeking a long term solution.

Life In Phuket

Step 2: Retire in Thailand - The Financial Buffer - Savings

Thailand can be a cheap country or the most expensive, depending on your habits. The women in Thailand could suck your finances dry because for many western men, they are addictive. They are giving, loving, feminine and affectionate, even if you are overweight, bald or have crossed eyes, you are missing a leg or an arm. They are much less judgmental.

Why? Because they have many of their own problems.

To rent an apartment in Thailand, including electricity and Internet will cost you around $75 per week. You will pay for your own water consumption, which might be around $40 per week.

So you already know to calculate $75 per week as a minimum living cost

$75 per week x 52 weeks = $3900 per year. So whatever happens, you need to budget around $4000 for a place to love.

Food bills could set up back $80 per week. Maybe even less.

$80 per week x 52 weeks = $4160

Total for rent, internet, electricity and food = $8060

This becomes your minimum budget. How does it compare to your own country?

It seems much easier to retire in Thailand now though right?

So, in order to retire in Thailand, you need a good financial buffer to begin.

If you can save $8000 inside the next 12 months, you have your first year in Thailand paid for.

To do this, you need to save $155 per week, every week for the next 52 weeks in your current job. This actually seems doable right?

Set up a savings account with your bank that gives higher interest and put $155 asie each week for the next 12 months. If this means getting a second job, go for it. It is totally worth it.

This becomes your financial buffer.

But you still need money for:

  • Weekend parties
  • Drinks
  • Women
  • Tourist adventures

This could set you back an extra $150 per week. But we can work on how to be making money to fund this part of your life in a moment.

Buy an ATM to retire in Thailand

Step 3: Retire in Thailand - Buy two ATMS

There are now opportunities for every day individuals to purchase their own ATM's. These are installed on your behalf in restaurants and other venues. You are paid a monthly rent for use of your ATM by a company who dispatches them.

If you want to know how to purchase an ATM exactly, leave a comment at the bottom.

An ATM costs around $12,500 to purchase, but pays you a guaranteed 20% return every month for a contract of 10 years

An ATM will pay you arund $235 per month.

$235 x 12 months x 10 years = $28,200

If you purchase two ATMS, you will earn a total of $56,400 over a 10 year period.

To be exact, it will pay you $470 per month in guaranteed passive income.

Per week, that is just over $100 extra for your weekend adventures. And these adventures will always be much more abundant than in the west. AND much cheaper.

Buy a Cash Flow POSITIVE Property

Step 4: Retire in Thailand - Cash Flow POSITIVE Property

You cannot buy land in Thailand. If you meet a loving Thai woman and she encourages you to purchase a home for you both, do NOT do it. You own nothing.

There have been western men who have purchased a bar in Thailand, set up the business, hired the staff and have their system in place to pay wages, who have then returned to their home country for a year, only to find out that their bar was demolished to build a car park! They were never notified or paid out. It was simply taken away and they were left with no recourse. Their money was just gone.

NOTE: If you do want to buy a bar in Thailand, you should live in the same town as your bar.

But in the west, especially in Australia, there are many protections to buying a property. In Australia, property prices are fairly stable and there is so much red tape to purchase one, that once you do jump through those hoops of fire, you can almost be sure of an eventual good return.

So how to guarantee positive cash flow from a property?

Well, this is quite simple. Instead of renting out to one family and being negatively geared by $100 per week, or more, rent out by the room.

You first should have saved 25% of the deposit. This could take you several years of very hard saving, especially if you have children. Like I said, a second job is valuable here. But your family can help. Your parents may be able to assist.

So for a $300,000 property, you need to save around $60,000 of your wages in the next three years. (See? This is short term pain for long term pleasure)

Once you have your property, you then use websites to find tenants.

You can use websites such as Easyroomates or

Each tenant should meet each other and know they can get along. They will be share accommodating.

Each room will rent for around $150. A four bedroom home will generate $600 per week in rent. Around $450 of this will go to repayments, leaving around $150 in positive cash flow per week.

You then need an agent to manage the property as you will be living the dream, to retire in Thailand.

So if your ATMS generate $100 per week and your positively geared property returns $150 per week, you now have a geerated cash flow of $250 per week guaranteed. But this still does not retire you permanently in Thailand.

Cash Flow Positive Online Business

Step 4: Retire in Thailand - Start an Online Business

Learing to master the art of having your own online business is vital to retiring permanetly in Thailand.

Instead of thinking you will make millions, you want to aim for your online business to just generate an extra $200 per week. that is it!

One of my websites is Thrive After Divorce For Men, a complete guide on How To Divorce and being successful after you are through the other side and single This site sells a program for $29.95 and is highly professional, high quality and uses the knowledge of the experts in the area of divorce. Just one sale a week gives me the cash flow I require. Anything more than that is a pure bonus.

You could open an Ebay store, master Hubpages, sell on Amazon or create your own unique niche.

To do this, you want to know what people are buying. Setting up a Google Adwords account and then using their keyword research tool to calculate the traffic you might receive from your idea is the first place to look.

For example, I owned a party bus business too. My clients were once bucks and hens, men and women getting married. But the divorce rate has skyrocketed and I can barely remember the last time I saw a wedding.

Men are steering away from marriage in droves because everything is geared to destroy them and only benefit women. When a man chooses to marry, he is choosing a life of real slavery, servitude and a potential loss of all of his assets.

Single men have much more time on their hands to figure out how to master online business to retire in Thailand.

One of my friends has set up a system where people can upload their own audio programs for just $5 to his site. This allows these people to really get their work out there. This generates him $200+ per week.

You might write the most amazing book!

The possibilities are endless.

I even know a 75-year-old-man who has cornered the market on genuine, luxury hand bags for Thai women wanting to look wealthy. He makes plenty of money and lives in north Thailand. He is happily divorced and has retired in Thailand.

So, If you can generate $200 per week online, $150 from your prtoerty and $100 per week from your ATMs, this give syou a weekly wage of $450.

Remember, minimum costs are $75 rent, electricity and internet and $80 for food.

But there is another piece of the puzzle.

Teach English and retire in Thailand OR...

Step 5: Retire in Thailand - An International Job

To live in Thailand permamently, you need the right visa.

The Thai government has now clamped down on foreigners doing 'visa runs', which is where you leave Thailand for one day and then return, automatically renewing your tourist visa.

You will need a one year unlimited entry visa or work visa.

To do this, you obviously need work.

There are just a few really great jobs to pursue in Thailand that will not kill you inside. You do not want to go back to corporate life, so a job in International finance or some painful job like that will not do.

Here are two great options:

  • Teach English

Anyone can teach English, English teacher wages pay anything from $150-$250 per week. This is just enough to pay your minimum living costs. Your other streams of income can be saved and spent on weekend adventures.

To teach English you need a TESL certificate.

It is highly recommended that you actually earn your TESL IN Thailand because the companies who you train through will actively help you get a job.

You could study online and that is a cheaper option, but you are on your own as far as support goes. You will lose many job opportunities if you study online.

You can expect to be working for around 25 hours per week. this gives you plenty of free time to buid your online business, allowing you to retire in Thailand even longer.

  • Scuba Dive Instructor

There is a very large suba diving community. And Thailand has some of the very best scuba diving locations in the world. There are liveaboard scuba diving jobs, where all of your rent and food is paid for. You will earn around $1000 per month, which is not much. But as you do not have other living costs, you might be saving money.

Also some high end hotel chains hire full time onsite scuba dive instructors. Your meals and accommodation are all paid. You will work hard but live in lucury. However, scuba diving is a lot of fun and so you shouldn't be seeing this as 'work'.

Besides, like teaching English, there are so many jobs all around the world in the most beautiful locations!

...Pursue Work as a Scuba Diving Instructor

Final Round Up: Retire In Thailand

All in all, let us look at the figures:


ATMS = $100 per week

Cash Flow positive property = $150 per week

Online business = $200 per week

Teaching English or Scuba Diving = $200 (average) per week

TOTAL EARNED = $650 per week


Rent, Internet, Electricty = $75 per week

Food = $80 per week

Water = $40 per week

Entertainment = $150 per week

TOTAL Spent = $345

TOTAL LEFT IN BANK = $305 saved per week

$305 per week x 52 weeks = $15,860 per year

Finally, while still saving over $15,000 per year, you will be guaranteed an ABUNDANCE of attention from beautiful women, will party every weekend, create new friendships, be guaranteed to find a loving woman who will really take good care of you and you will actually have the opportunity to return from Thailand with even more money in your account than when you left.

Maximum adventure, minimum living costs to retire in Thailand.

If you sell your property eventually, you will make all of that money back in the sale and be left with a few hundred thousand dollars to live it up even more!

Leave your comments at the bottom!

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    • Greg Dean profile imageAUTHOR

      Greg Dean 

      4 years ago

      Definitely. Have a bachelors degree will assist you. But if you prove yourself to one of the schools and are diligent you will find that they are happy to sponsor you. You can also get a one year multi-entry visa, but you also still need to exit and reenter every 3 months. This is a different process than the old way of a quick visa run on a 3 month tourist visa.

      Thanks. this hub has come from experience of myself and a few of my closest friends.

    • tom yam profile image

      Russell Pittock 

      4 years ago from Nakon Sawan Province, Thailand.

      A degree is also required in addition to a TEFL certificate for any decent teaching job. Working without one(and without a work permit) is a risky business. Gone are the days when the labour office and immigration would accept a fake degree from Khaosan Road. Nice hub, good read, many thanks...


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