I am 18 years old and my ex-boyfriend and I have been having phone sex. I need to know why it hurts after I finger myself. And then there is the discharge. I have been discharging for 2 or 3 years and it is white and clear sometimes and I don't know what it is.

I am going to the gynecologist soon, and I don't know what to tell her.

About the fingering, it's probably two things:

1. Your nails need to be clipped and covered. Use a latex glove or finger cots (they're like miniature condoms for your fingers -- you can buy them at any drug store or pharmacy) to cover up your nails. While your nails don't seem sharp to you, they're sharp enough to cut and tear up your delicate vaginal lining. Likewise you can have future sex partners wear them too, to avoid injuring you (as well as prevent spreading nasty hand germs to your genitals).
2. You probably don't have enough lubrication. A dab of KY Jelly on your glove-covered finger should smooth things out just fine.

If those things don't work, maybe you need to relax more and try a different approach to touching yourself.

The discharge you describe sounds pretty normal. All women who of childbearing age secrete mucus from their uterine cervix. The texture of this discharge varies depending on the woman's menstrual cycle. If she is close to ovulating, the mucus will be wet and profuse and it will have the consistency of runny snot or egg whites. This kind of mucus forms channels to help sperm get into the uterus and Fallopian tubes so they can fertilize the egg. Other times of the month, the discharge can be sticky and pasty, but not runny. This kind of mucus is supposed to block sperm out. In either case, as the mucus is secreted, it has to go somewhere, so it leaves the body through the vagina. This is good because it can help clear out stuff that might be lingering in your vagina that shouldn't be there. It's nothing to fear. In case you want to learn more about your natural vaginal discharges, check out Honorably Discharged: A Guide to Vaginal Secretions.

Lastly, what should you tell your gynecologist? You should tell her a lot of stuff. Tell the truth, the whole truth, and nothing but the truth. Your gynecologist needs to know a few personal things about you and your body so s/he can give you the best, most effective and safest treatment possible. Here are some things you oughtta mention:

1. Your last menstrual period, when it started and ended
2. Any medications you are taking, including over-the-counter things and birth control prescribed by other doctors
3. Your level of sexual activity, whether you have been or currently are engaging in any partnered sexual activity (oral sex counts!)
4. Family history of heart disease, stroke, cancers, etc.

There are probably more things you should mention, but feel free to speak your mind and ask. Your doctor is the person to go to; s/he can help you better than we can. Based on the information off that list, your doctor will know if it's safe to give you certain medications, whether to watch for signs of certain illnesses, and whether to recommend some testing. Read more about clinic visits at Your First Gynecologist Visit.