As a virgin I always seem to fumble when girls start getting sexual. I can have great conversation and be getting along great but when they start to get sexual and I fumble and start getting awkward or becoming more avoidant, how do I overcome this... it feels like the last shit test that I can never pass. This applies to both playful banter and physical escalation.

any advice y'all? (20m)

Side note: I used to have Phimosis and because of that I've always been trying to avoid sex idk but this probably built bad mental habits.