My DDs are mid to late 20s, they have both lived away from my home since they went to university at 18, with some time back, between courses and for Covid.
They were the ones who understood how to cook, clean and wash when they arrived at uni, not because I had specifically made a point to teach them, but because from a young age they had shadowed me (followed me around the house) and I would include them and let them help. I don't know if it was because I worked full-time, so I would do things like cleaning and washing at the weekends when they were around. Other skills too, like how to reset the fuses, garden, build IKEA furniture and decorate. For reference, they also learnt from their dad, my DH, as these are all chores we shared. We never set out a plan to give them the skills it just happened naturally.
For finances, we gave them an allowance once they were in year 9 and they were then allowed to budget and spend as they wanted on clothes, going out etc.
Work ethic, neither were forced to get a job as soon as they could, but the both worked in the summers.
Experiences, clubs etc were always their choice, except learning to swim which was compulsory. One had interests that they did for years (and still do now), the other tried loads, got bored and moved onto the next thing. As an adult she is better and has found her interests and sport..
I like to think that they are well rounded adults and I don't think they would say I failed to prepare them or overprepared them.