I am an 18 year old female virgin, since i was 15 to this day i would masturbate with just rubbing my clitorus. Whenever i have these conversation with my virgin friends they are able to masturbate by inserting a finger or two in their vaginas. Whenever i attempt to insert a finger it hurts even though its wet or i use lube, i cant even insert a centimeter of my finger. Am i doing something wrong? Is this unhealthy?