I think that in a family some are workers some are not. I certainly saw my mother work very hard and be in charge and never show any kind of fear about business deals. Her golden rule was you should never be embarrassed talking about money and asking for what you deserved. I take the same view.
When I was about 17, I had a row with my mother and left home for six months, renting a flat and working as a waitress for a while. I learnt you could double your earnings if you gave good, cheerful service. It taught me that in any job you can improve your lot.