OK in the spirit of engagement I would say three clubs at the present time dont need the money. Saints and Wire due to wealthy backers and in Saints case ground ownership and I think Wire are majority stakeholders and Leeds due to being a wealthy club despite the Hethringtons.
I feel either of the players you mention it will be lifestyle not money. If you earn 300K a year for 4 years in the north of England you will never need to get up early again for work when your time in the game is over.