Sometimes it takes the parents to get things moving along.
When my daughter was born, she did some baby modeling for Babies 'R Us. My wife and I had a lot of friends who worked there, so they asked us if she would model some stuff. She only made maybe $1000 when all was said and done. My tax accountant told me that a minor child who earns money can open an IRA and have their parents match dollar-for-dollar. So before she was 1-year-old she had a Roth IRA opened with a $1200 initial deposit. That money is now work about $3K, and when she turns retirement age (or 65) that initial investment will be worth about $250K with no additional contributions.
When she gets her first job the rule will be: 10% into your IRA, 40% into savings, and the rest you can spend on popcorn and bubblegum. Any money the kids got as cash, they got to keep. Any money that came in as a check was deposited in their savings accounts.
I ask my college sophomores if they have an IRA. Nearly all of them do not. Then I go through the finances of how much money they'll need at retirement (you need $3M today to retire at about $100K/year in interest income; today's students may need 3x-4x that amount to retire in 45 years). A few students open IRAs after that lecture because they get the point. If you can teach a young teenager about finance when they start working, you'll help them establish a solid, disciplined way to manage money that'll have the foresight of early retirement savings (and savings in general).
We do a very poor job of teaching our children about finance. I think that's the reason for a lot of the financial bullshit that happens in the economy. A little education goes a long way.