I can't talk about something I don't have 

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To a socialist? When the bread line reaches two miles
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My dad brought me to the bank when I was nine to open a bank account. His advice was a constant; if you can't pay cash, you can't afford it. I still think of that advice whenever I have a want and not a need. I'm not trying to sanctimonious, it just works
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The sooner the better. This is an area where our educational system could improve. All kids should understand personal finance 101 prior to moving out of the house, whether for college, first job, etc.
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Starts at day 1
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When they are taught how to count money, at school, in math class, they should understand what it is, with a working allowance, imo. What age is that? Maybe 7 or 8? Allow them to open a savings account, at bank. Investing, probably not until high school, imo.
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12 years old is not too early.
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Kids can learn to count almost immediately, bro. You let them pay for stuff as long as the store clerk is not a dick bro.
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