Seems like Td is more suitable for retiree who has lesser or no
financial commitments.
if u are stressed and hard up for $, u can still drive, but u
need longer hours to see huge income, and soon fatigue and
occupartional hazards will appear. and some bad days, its beyond
your control, it'll add stress
those lesser commitments, more relax kind can take their time to
drive around, collect fares, see which fancy place for a meal,
coffee, or shopping, just go..