Well it's a matter of love. If you love someone and the person reciprocates then there is nothing wrong in getting intimate. The only advice I'll give to women is to never have sex with a guy who doesn't love them, or with one that loves them but they don't love back.

When the feeling is mutual, sex isn't a problem!

Better

@ Kobe
Have you just escaped from the monastery/covent, you're unaware it's OK to have it before marriage. Are you saving yourself for the big day if so lucky you.

y rely on a man to 'make an honest woman' out of you.
you can be that without having a man do it.
if u want casual sex, then have casual sex. if you want sex within an intimate long-term relationship, then do it. there should not be stigma attached to either one. each mature adult should be able to make these decisions autonomously, plus manage the things that come with them.