The distinction here is about whether the tokens can be traded for only one item/privilege (conditioned reinforcers) or numerous items/privileges (generalised conditioned reinforcers). The money earned through employment is a form of generalised conditioned reinforcement because you can buy any number of things with it.
Tokens used within educational settings are typically “generalised conditioned reinforcers” as well, because they can be traded for a number of different items and activities. This is not always the case though. Sometimes a programme may be implemented where a specific type of token (e.g. red stars) can only be traded for specific activities/items (e.g. a special trip at the end of a school week).