pal-
Creative Mind probably gave you the best advice ever. As a general rule, that voice in your head is telling you something important. Maybe you really aren't at a point where you can handle the mind-fuck that comes from sex with a trans*woman (it happens.. trust me). Maybe you are telling yourself that your first time shouldn't be a financial arrangement.
Dismiss it or not, but you will always remember your first time as long as you live. You may eventually have hundreds of partners of all genders in every imaginable way and combination. They can become a blur of naked flesh and you may forget names, dates, and places... but your first time will always be clear as the day it happened.
Do what you need to, but remember that will only happen once in your life.
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