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I agree with the other replies above. I was a "late bloomer" and didn't get any action 'til I was 21yrs. The fact that the girl _wanted_ to do it with me instantly gave me a lot of self-confidence that I didn't previously have. I don't think that you'd get that same boost if you just pay for it. Especially the first time.
BTW, I disagree with the whole "saving oneself for marriage" thing, but that's another topic entirely...
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