Do you think I should wait

Well I'm 16 and I have been wanting to have sex for a while I'm sorta scared for one my boyfriend is 18 and he will be 19 Nov 27 and our one year is the 29 and my mom said she would find out if I had sex or not and she'll tack me to the doc and I don't want to she'll embarrass me I mean where smart he always carries condoms in his truck just in case so do you think I should I really want to