You forgot UNDER-employed. I have a part time job but desperately need/want more hours and better pay. Living in western Colorado, I run into a constant Catch 22. The towns that have an affordable standard of living have a high rate of unemployment. The town I live in and the next nearest town have pretty low costs of living, but unemployment runs around 13%. The towns with jobs tend to be ski/resort towns and the cost of living is in the stratosphere. Working people live 50 or 60 miles away from the resorts because they can't afford anything closer. Then the cost of gasoline decides to sky rocket. Can't win for losing.