I first had intercourse when I was 14. I had been doing other things (usually clothed frottage or groping around in each other's pants -- and lots and lots of French kissing) for about a year before that. But my first fuck was with my boyfriend, a 19-year old hippie with long wavy black hair halfway down his back (this was 1974, mind you). We thought he was so cool because he actually had a job , his own apartment, and a Cutlass Supreme. I remember some comments from his friend about me being jailbait, but it didn't seem to matter to anyone. His friends were also fooling around with my friends, but they weren't fucking, just diddling around. I was the only one among my friends who had actually got it on at that age. Most of them waited another year or two or three.
I remember my first orgasm was when I was 15, during a fully clothed frottage/makeout session with my boyfriend (a new guy, not the 19-year old), on the couch in my living room with my grandmother in the next room. Haha!
I wonder how different things would be for me today.