I personally think until you are AT LEAST 18 years old you shouldn't even think about actually having sex.

Wonder about it, ask questions about it, find out facts about it sure but do not actually go out and do it. if your to embarrassed to talk seriously and openly about it to people with more expiriance and knowledge like your parents or a consoler then you aren't mature enough to be doing it. You won't have enough life expiriance or knowledge yet either even if you think you know everything you need to you won't know what you getting yourself into.

if you can't wait until your at least 18 and most places consider you an adult and able to make your own choices then you aren't mature enough mentaly or physically ready to be having sex yet. if something does go wrong and you do end up pregnant or with some STD because the condom broke if your older you will most likely have more resorces to get help, if your younger you may have the same resorces but your gonna have to ask your mom to drive you to get treatment.

I think the longer you wait the less regret you will have after the act.

I think what most kids don't realize is that there is a lot more to sex than sex. Sex is not always fun. It can be very painful especially for a body which is not fully developed. It can easily be very dangerous too. These days most kids know they can catch sicknesses through sex but it can also leave you tied to a person you may no longer wish to think about in the future. At a young age kids are still discovering things about themselves let alone each other, someone you like and trust now may change very quickly if they are young. I think kids have a hard time fathoming the emotions that go with sex because they don't understand why those emotions exist. Sex makes chemical changes in the body that are hard on someone already as chemically and emotionally charged as young people are. If you really care about yourself and your partner and your partner feels the same, some aspects of age can be overcome, but it won't necessarily be easy. I think the older you are, the more tools you have to cope with everything involved with sex.