As the threadstarter mentioned that she's 23 and yet to engage
in any sexual activities, personally me think it's quite
normal.
Me engaged in my first sexual activities with a Taiwanese girl
(she's 20)at the age of 24, the 2nd with a Hong Kong girl at 25
(she's 20), the 3rd with a Malaysian girl at 26 (she's 22), the 4th
with a Singapore girl at 27 (she's 21), and finally ever since with
my wife from 28 and still counting... 
None of them that me engaged in sex involved monetary gains, but
more towards mutual understanding... In the end, me got committed
to my wife who managed to subdue me... 
