Waiting to have sex

To be honest....

I am on the fence about this. My boyfriend and I have been going out for a few months now. We’ve talked about sex and having sex but haven’t done it yet.

I don’t exactly want to wait until marriage to have sex but I’m not sure if I should wait longer? Im just scared it’s going to change our relationship. What if it’s bad? What if I’m bad? (Were both virgins by the way).

I just don’t want it to change our relationship and I want to know the benefits?

What are the benefits of waiting???