Are you unemployed, or underemployed?
By underemployed, this means you aren't working as much as you'd like to be. This may mean that you would like to work full time but your job will only give you part time hours, or you have opted for part time work due to caregiving responsibilities/costs, health reasons, or other circumstances beyond your control. It can also mean that you trained in a highly-skilled occupation but cannot obtain a job in that field, and have taken a lower-paying job as a result.
*