May I ask why you find yourself semi-unemployable? I'm in kind of a similar position as the OP in that I have a significant nest egg so that even if I spend a few years derping around and failing at a bunch of things, I figure that I just need to stop before that nest egg gets anywhere near dangerously low and go back to looking for freelance or consulting work, even at lower rates, should that become necessary to survive. I'm asking about your situation in case there are other pitfalls I need to be wary of.