You can get a pretty decent free version of ChatGPT's newest model by using the Microsoft Edge browser and going to Bing chat. You're limited to how long you can have a single discussion, but it's better than going to the limited version on ChatGPT's official website.
I'm super involved in the back end of a niche industry, and own a small company. I used to get asked to consulting calls all the time by companies like Alpha Sights and GHG Consulting, so I made my hourly rate much higher than their suggested rate ($200) so I would get fewer requests. Based on the revenue of my company, I shouldn't bother pulling away from work less than that rate. 👍