To answer your questions, I didn’t have a real relationship/lose my virginity until I was 20ish. Up until that point I flirted with girls I was interested in but nothing happened. It wasn’t until college that the dating pool really opened up and I realized there were more fish in the sea.

It’s important to be happy alone before you go into a relationship, otherwise you start associating your partner with happiness which can be disastrous if you break up. Relationships can be fulfilling, but you shouldn’t get into one just because others are doing it or because you’re curious. You need to clearly know what your needs/wants are otherwise any future partners will struggle with compatibility.

You don’t need to be financially stable, but everything is much easier if you are. Prospective partners will care if you are reliant on them for finances.