Oooooooooh... For me it's still 'school year'. xD
I am 14 and what is this.
Seeing as it's financial shiz, I don't really need to care about this yet so I'm come back in 4 years when I need a job.
I was working full time at 16 and had started saving money at your age and making money anyway i could. So might not be as far off as you think.