It began as sort of a dare or a "show" and don't tell with my cousin. She and I were about the same age, about 13 at the time. Each time became bolder and then, in her bedroom one day, it became a game of "hide" and "find " which each of us hiding someone on our bodies and he other searching for it. It didn't take long before she was unfastening my pants or I would have my hand down her shorts and in her panties.
This developed into us letting the other partially undress the other which turned into her playing with me and then jerking me off, "or" me fingering her. It was as if she enjoyed letting me touch her more than her touching me. I felt the same and enjoyed touching her because she liked it.
She was an exhibitionist, just like I was. The "secret" we shared went on for a few years. It remained simply touching and masturbation but we felt at ease with each other.
We did things in a daring way, sometimes in her bedroom, of in their basement, or in my basement.
Even if she didn't jerk me off, I would jerk off as soon as I got home from their house.
JD