Thank you for this thread!! On the self-made front, my two cents is that she still comes from a somewhat rich family, but not the typical ultra rich..
I think "born with no money" has a totally different meaning for people like them.. for me it means, you grew up in a 1 bedroom flat with a family of 5, parents working 3 jobs to put food on the table, etc.. For them it probably means: I had a normal childhood and received most of the things a kid could need, my parents paid for uni and a London flat until I could get a first job in my field, but they are not billion dollar rich like others in the same neighbourhood...
Don't know if what I wrote makes sense but hopefully you get my gist..