Sex and Masturbation

I’m 24 and have never owned a toy, but I really want one 😩. I’m very uncomfortable when it comes to masturbating so I’d rather have some assistance, plus I’ve never been able to make myself come through masturbation. I’m not sure if I just don’t know what I’m doing or what, but clitoral stimulation is the only thing that gets me off.. even when my boyfriend and I have sex, the only way I’m able to cum is if I get on top and provide what stimulation for myself 🥴