I often wonder about this question myself, the thought of my 4.5 yr old reaching her teens is always on my mind. Some of the things we see and hear about today, I find are a lot to take on board regarding our children.
A lot of people say they will be alright as children can adapt to anything that is thrown at them, I truly hope so. As regards to the money side of things my youngster has two piggy banks.
We go the bank once every 3 months together and she pays the savings into the bank account in person, she also keeps an eye on her internet bank account once a week.
I'm more worried about her life than her finances. Good question by the way.