For many of us, there's no real reason to work full-time, cutting your expenses and working less is great. Also: it's economically irrational how little time we spend optimizing our investments vs. our salary/work-skills (i'm still a sinner).
I'd say all the terms are wrong: you've covered maker, hacker also has nothing to do with this, as well as indie, which means being alternative, outside the mainstream. I believe you're looking for "Independent Developer"