Just turned 20, and I feel like I'm too comfortable.

Finished high school, now at the end of my gap year. While I did have a what I would consider a great year for me, it wasn't "succesful" when it comes to jobs or money.

What's worst is that I somewhat know the things I need to be doing, but the amount that I'd have to work to get to that point outweighs how much I want the success due to complacency / comfort. It feels like I'm essentially allowed to be somewhat lazy by my parents, and at the back of my head / in my subconciousness, I know that if I fail / don't make it, I will be fine here and their threats are empty, and I can't escape this loserish tought pattern.

How do I overcome this?