Over the years, your personal budget in Thailand will change.
Whether you want it to or not.
Just because you might be skimping by in 2025, there is no guarantee the same will be thru in 2026.
A huge issue is the fluctuation in the currency exchanges rates.
Can you imagine losing 50% of your monthly income just because the exchange rates goes south?
It happens.
Costs in tourist areas and cities are increasing.
If you did not budget for a cost of living change the next 20 years, you are asking to run out of money.
Are you going to survive 20 years from now with your income if the costs keep rising?
How much increase can you weather?
If you are moving to Thailand, you owe it to yourself to see what your costs will be 20 years from now and see if you still can afford to live here.