When is the right time for sex?

I'm a virgin. 17. And I'm afraid to lose it because of the emotional things people say you go through the but most of all I'm afraid of regretting it and losing it to the wrong person. I've been with my bf for about 6 months and I love him to death, definatly has been better to me hen any other guy, but I'm just afraid of doing it with him. He dosnt rush me or tried to push me, he wants me to ready but I'm horny a lot but afraid to do it🙄