I need some advice on sex

So my boyfriend and I are long distance so we sext quite frequently (I'm 14) and we've been thinking about meeting up one day, and we've been talking about if we are going to have sex or not. I'm not sure if I should have sex with him, I mean I know I'm not ready now, but I'll be 15 next January(he's 14) and we might meet up sometime in February and I'm sure if I want to save myself for when I'm older or if I'm ready. Like will it hurt and what if we have to stop because I can't take it?? *Ugh* please I need some advice