Since retirement was better than facing "accidents can and will happen" once I came out, I chose the safer route. Income was halved, lifestyle crunched. I did manage to do a few extracurricular income earning events but finding work as me, in my filed of expertise, was pretty depressing. Lesson: construction is for men, regardless of your talent, experience or knowledge.
I'd consider myself one of the under-employed. And that's only because I have a retirement income. Otherwise, I'd say I'm unemployed. I wasn't ready for retirement, nor did I want to retire.