Your idea is quite understandable, and it is also the idea of the younger generation in the 2 1 century. It is understandable that you are career-oriented, but to be honest, as you said, when you get married at the age of 28, your husband will be surprised to see that you are still a virgin. Maybe he will think you are indifferent or something. I think if you don't want to give your first time to a man casually, you can only wait until you get married to tell your husband what you think, and there is no better way.