i played with girls when i was younger, but wouldn't really consider that sex
my first time with a man was with my first boyfriend when i was 20 and it was awesome! i had heard horror stories and was so surprised when i actually came. i always wished i had gotten started earlier, but didn't have a lot of luck with boys in high school.
now that i look back though, i can see that i likely avoided a whole heap of trouble by waiting! i've also had far more fulfilling sexual experiences than negative ones, and i can't help but think that waiting until i could handle it had something to do with the good choices i've made since.