How do you know you're ready to go further sexually with someone you're seeing?

QueenofCups
Maybe you've been making out with them a lot, letting them play with your breasts and suck on your nipples (or vice versa if the person you're seeing is a girl)... or maybe you've done everything else and you're wondering If it's the right time to have sex. When do you know if you're ready to take things to the next level?

This is not about me. Just curious what people think.
How do you know you're ready to go further sexually with someone you're seeing?
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