It's legal, but fingers are dirty and might give you an infection. Why can't you just hump with your clothes on and save yourself until you are least 16. You don't give yourself to boys that young, wait until your older. Hell, why not move out, get your own house, work and start having kids and driving cars and paying bills. If you want to be a grown up, take some responsibilities along with it. Don't break your mother heart and give your dad a heart attack, they would be so disappointed.