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20.

Had quite a few opportunities before that, including one time where the girl/woman (we were 18 at the time) was moving her hand up my thighs, I'm actually a bit of a "conservative", and while I didn't wait until marriage, I did want to wait until I was in a proper relationship that had a potential for marriage. Couples who have had fewer sexual partners prior to marriage have a far lower chance of divorce.

As it turns out, I'm still with the same girl that I slept with at 20 (now 23), have plans on moving in with her next year. If that works out after about a year or so, looks like I'll end up marrying her.