For certain cases I agree that the practices of parents are not much different from what their children will do although in a larger scope this is not decisive. Many children of poor people can achieve the best ability in making money and maybe some people say it is luck, but in my opinion this is not luck but the hard work they do to change their fate for the better.
Parents play a role in making children more advanced and they have a greater responsibility for the growth of children in adulthood. If they are given a good education on how to make money then children will get used to following those steps and eventually they will understand the process of achieving wealth based on the hard work they have prepared.
The luck factor also influences, it cannot be denied but what must also be known is that luck does not come suddenly but luck comes when hard work and consistency in doing something so that at a certain point luck will be there.
And for anything, lessons from the environment are the most influential factors, especially parents who of course are examples for children at a young age so there is a role for parents to teach about financial education and for all of us this is an example from our parents regardless of whether it is good or bad but basically we still follow what is taught or exemplified by parents and over time when we are adults we will be able to choose our own path, whether it is learning to be better or vice versa.
I really like this part of your post because in last few days we are discussing few things our main agenda is always started with these points luck always come after hard work and consistency.
Many peoples around us started their own work with small amounts and limited sources, but now they are having enough sources which are giving them advantage and luck is also standing with them into their bold decisions so here I just want to say consistency and hard work always pay and luck give them strong favor.
Financial education is also stated from home, but environment is also needed to be positive because sometime few bad things or decisions can ruin long time success and hard work need to keep eye on child's and always have some touch which give them better confidence for having good success.