I hear a lot about the negative side of sex and bad things that could happen from having sex. What are some of the benefits of having sex? What are some of the positive outcomes that would/could result in having sex with my boyfriend?

I'm 13 and bisexual. I'd really like to have sex, but I've always been told to wait. Problem is I feel like I'll break down, if I don't have an experience soon. Am I too young? I also don't know how long I should wait till I have sex with a boyfriend/girlfriend help me please!