So me and my girl are thinking about sex should we wait?

people say we should wait but should i wait till im a little older? or till my realtionship is a bit older? im 13 nd shes 14 we going to be 14 and 15 in october and like we are going for 7 months so im thinking maybe 2 years toghther but shes going to highschool nd im really terrified cause of all the guys there so we thought maybe sex would keep us closer and i dont wanna get her pregnant so i wanna be safe with both side but any romantic ideas for our first time