When do you think a person is truly ready to have sex?

I am currently in high school, and many, many girls in my grade started having sex in our freshman year and more have as the years have gone by! (That’s ages ranging from 14–17) I myself did not feel I was ready to do that, nor did I even want to at the time. Now I am starting to feel like I want to with a guy I have been together with for a while. Some of my friends are telling me I should if I want to, and some are saying I should wait no matter how much I like him. It has nothing to do with making him happy, I myself want to do it. I would like to know what your thoughts on this situation or maybe your own experiences are. All opinions are accepted:) there’s no wrong answer for this!