These are all strictly 3. I haven't played 4 enough yet. I might get into it later. The only way you can really make money is keep racing a lot of races which can get old if you're doing it for money.
I used to sell tunes and paints and win events for cash on 2 and had billions on there. But each race on 3 and 4 take time and moderate money
. That's the only down side to it.