Masturbating through underwear and

Hey so I’m a 24 yr old virgin🥴 and I’ve been masturbating for years now. So I wear a panty liner everyday (which ik is not good🙈)...and I’ve only ever masturbated through my underwear with the panty liner on. So I recently tried to masturbate in the shower without the friction of my underwear, and it took a hella long time and it just wasn’t really doing it for me, or at least not as good as it has been through the underwear, so any tips on doing it without my underwear... I want to basically get to a point where I can get off with no underwear.

Also, recently I’ve been wanting to explore other ways. So I’ve never fingered myself but I want to start, so are there any tips or things I should do? I usually imagine what getting fingered feels like and can usually get off on that but I’m not actually fingering myself, I’m just doing clit stimulation... so any help is really appreciated!

Thanks guys!!