Well Bob, I am just the opposite.

I started with a chain, and after a few years went to a hospital.  I'm
happier.  They both have good and bad points.  Money? I suppose a person
could earn 10-20% more in retail, but you work correspondingly harder.
And frankly, if you can't pay the bills on a hospital pharmacist's
salary, your spending is out of whack.  

Since I was over 40 when I first got my license, I don't expect to make
a giant nest egg before I retire, so I'd rather work where I can take a
break, and get a vacation without calling in favors.  I once heard an
insinuation by a retail pharmacist that hospital pharmacists are lazy,
but that's nonsense.  I suppose the pharmacist I know who works full
time with me AND full time in retail could say the same thing about all
of us.  I suppose the pharmacist who made the local news who worked at
the county hospital and made 1/4 million (lots of OT) could also say the
same thing.  I say, knock yourself out kid, if that's what you want to
do.