You say you want to "when you feel ready."
That's where the argument begins. What are the signs you get when you are "ready?"
I say (and you don't have to agree) that the signs for being ready and when you are emotionally and financially ready for mistakes that happen (even with so called protection).
I didn't wait for marriage so you can call me a hypocrite but now that I am older and married and practice what I have heard is called "tough love," I am firm on my belief that you should be very responsible when you decide to.
My college GF, who I lost my virginity to, worked for Planned Parenthood. Believe me when i say this......she was prepared. She brought all all sorts of different protections home to "experiment" on me and I was more than willing to help her "research" each one. We were double protected from causing pregnancy and sometime triple! (How could a woman get pregnant with an IUD, a diaphragm and me using a condom?)