My mother sat me down the day after I turned 10 and tried to have the talk. I ran out of the room screaming that I didn't want to know.
About a year later, we had the talk. I was finally ready. I actually learned a lot of accurate information in the playground from other children. A boy told my sister and me where babies come from in explicit detail when I was in kindergarten. We were positive that he was lying. It just seemed so gross.