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CT, you're only 16 years old. You're too young to think about sex, let alone marriage. I'm glad you're involved in a happy, committed relationship and that you're a YLoG (Young Lady of God). However, you know exactly what God has to say about premarital sex. If you don't know, then look up every Scripture that uses the word fornication, because that's what premarital sex is.
What happens if you and your boyfriend do have sex? Are you prepared to deal with the consequences? For starters, are you ready for the possibility that you could end up pregnant? What about STDs? And what if things don't work out between you and your boyfriend after you've slept together? Breaking up with someone is hard enough (so I've heard), but it's even harder when you've given your ex something precious, which can never be given back.
Your virginity is a gift that was bestowed upon you by God, and it is something that you should only give to your husband. In this day and age, it's even more precious than ever, and I don't believe that you want to lose it right now. You're only 16. Your biggest concerns right now should have to do with the driving world.
If you and your boyfriend really love one another, then you'll wait.