We and my boyfriend are together for 4 months but we couldn't make love yet? Pls answer?

We want each other but we don't have a place to meet. We both live with our parents, we have no money. My question is we don't have a problem with this, we love and enjoy each other, but im scared if this situation eventually make a problem between us and we break up. Could it be happen?
We and my boyfriend are together for 4 months but we couldn't make love yet? Pls answer?
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