Want to create an iphone, and other smart phone app? WHERE DO I START?

I'm only 15, i'm a girl and i don't want to study game technology in college. The app is going to have games but you create something and you share with your followers (i'm not going to say what it is exactly cuz of people out there who might steal my idea) how did the creator of instagram start? My app is kinda like instagram but you don't share photos. WHERE DO I START AND HOW? Do i need to go to business school or something?

I would spend some time to look online and educate yourself.
I would not go to business school - unless of course you want
to be a business person that starts and runs businesses.

You say you want to "create" an app. That is completely not in the same realm as business school or building a business. I can sympathize with you because I enjoy a creative mind and am always thinking of innovative and creative ideas and concepts. There's a difference between creators and business people. Both are good at what they do and there are people who excel at both, but what I hear you asking leans toward the creator type.

Check out the sites below for a few places you can get started that may be helpful to what you want to do.

I think it is awesome that you are so young and are already thinking of something you can create.
Keep that frame of mind and you will be very successful in life.

Hope this info helped.