Somebody help a girl out

Alright so I have been married for 3 years and sexually active for almost 6. But I have never, I repeat, I have never had an orgasm from self pleasure. Not have I ever had an orgasm intense enough to “squirt”. I don’t know what I’m doing wrong here. My husband has also never given me an orgasm from stimulation, I only ever get them from sex. I honestly can’t take the intense feelings of direct clitoris stimulation from toys or my own fingers. I don’t know what to try different. Does anyone have tips or also doesn’t enjoy direct stimulation? I feel like I’m broken. My husband got me this new awesome toy that he really wants me to spend time with a try out on my own but I am at a loss. Any and all advice welcome!