level 3 includes your level 4, there is no "having to work or not" stipulation, so that's fine. One higher level of "I don't need to think about what anything costs", however, would be useful, if only to unpollute the numbers by taking out the folks who can walk into a marina office, buy a 30 million dollar yacht on the spot, and walk out still having roughly the same amount of money as they did before they walked in.