The longer you wait, the more nervous and uncomfortable you will get. Right time? Since now is the only ‘time’ that exists, how could there be any better ‘time?’ It’s sex, not a space shuttle launch. If the girl is cute and you’re into her, how could it be more ‘right?’ There’s no strength in waiting. Anyone can just sit around ‘waiting’ for the ‘right’ person… it’s just an excuse or a procrastination tool. If you want something, or someone, you gotta make it happen. The strength that women like is a man going for what he wants - for that takes real discipline.
You’re 20, you’re on the late bloomer end of things… but still not to the age where it’ll be weird. Get out there and have some fun, man! Focus on having a good time and being present with the people you’re with, approach some ladies and do the same, it’ll happen. Woman love sex too. Don’t let anyone convince you otherwise. Peace.