I am 20 years old and recently lost my virginity to my boyfriend of six months. Before this happened, I strongly believed that I would wait until marriage because of both personal and religious reasons. My boyfriend completely understood my morals but then pushed the limits after only one month together and I didn't stop him. Not to mention we had sex before we told each other, "I love you." I regretted my decision the moment it happened. I know (now) that he loves me and I love him, but I still believe that what we are doing is wrong. I hate lying and that is exactly what I am doing by being dishonest with my family and peers. He acts so hurt when we do not have sex but I don't want to anymore. How can I tell him that I want to put an end to our sexual relationship?

Recently, during a phone conversation with my boyfriend, he told me that he turned the volume up on his phone. Soon after, he began to masturbate, while he was talking. I am well aware of phone sex, but the conversation never came up. I had no idea what to say to him. It was very loud and there was no mistaking those sounds. Should I confront him or let it go? Do many men find this satisfying? He complains about not being able to sleep. Could this have something to do with this?