If you haven't lost your virginity by 16, you fail at life. There's literally absolutely no good excuse. I was born with debilitating social anxiety. But guess what? I manned the -blam!- up and after losing my virginity at 15, have -blam!-ed 10 different women/girls since. It takes initiative, effort, and the end to wishthinking and hoping something will just fall into your lap, because it seldom does. The bottom line is, the majority of women will put out if you pursue them. It's a matter of making the first move and taking what is offered. PM me if you need advice.
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Or you could be a man and not screw the first hole you see. Maybe your wife'll appreciate that?