Sure, but in the context of lifestyle changes those are really the three major leaps. This is a paradigm that looks at what categories of stress are removed as

Sure, but in the context of lifestyle changes those are really the three major leaps. This is a paradigm that looks at what categories of stress are removed as your wealth increases, not how your raw capability to drive the means of production changes. The distinctions laid out across these three tiers are both practical and relatable. Each step is another dimension of stress which subsumes the ones below it, which implies that eliminating one level also eliminates the level below it. Level 1 means you have no debt. That already puts you well ahead of e.g. most Americans. It means you don't have to worry about your purchases in the past. Level 2 is a step beyond that, because it means you need not care about the cost of small luxuries in the present. And at level 3, you need not care about the size of large luxuries in the present. The floor and utility of money increases categorically at each stage. Without debt, you can focus on "things" unencumbered. If you don't need to worry about the cost of restaurant bills, you can focus on "luxurious things". Vacations realistically cost thousands of dollars. If you don't need to worry about the cost of those, you can happily spend four or five figures on an "experience" that lasts perhaps a week to a month. And if you're not truly not caring for the cost of these things, at each step you can partake of the benefit many times in one year. I concur with another commenter that you can formulate a step 4, which is "I don't need to work to enjoy step 3", but beyond that I think you're really splitting hairs when it comes to lifestyle changes.