When is the right time for intimacy?

When is the right time to get intimate with a partner? I feel as if I am ready, but I don’t want to put any pressure on my girlfriend because she may think I am being hasty. We have been in a relationship for four months and we have not discussed it yet because I don’t know if I should bring it up. She and I are very comfortable with each other, and we talk about a lot of things, but this is something we just can’t seem to consider which makes me wonder if she is nervous or prudish or both. How do I broach the topic without seeming as if this is critical for our relationship? I am willing to wait, but I want to be able to discuss it too.
If you are comfortable with each other, and this is something you want to be able to talk about, you should mention it without presuming how she will react. To think of her as nervous or prudish is unfair given that neither of you have had this conversation yet, so why not find out what she’s like and what’s on her mind instead of assuming this is something she isn’t comfortable with? Physical intimacy is important, but so is mutual consent. It’s possible that she may ask for time, which you claim to be okay with, so why put it off when it’s on your mind? A healthy relationship is one where open dialogue is critical. Start building those bonds and you shouldn’t have to tiptoe around any topic.

I want my fiancé to end this relationship but can’t find a way of telling him without hurting him. It’s definitely not working for me, but there are so many expectations from both our families that I can’t find the strength to say anything.
Expectations from family mean nothing if two people in a relationship have no faith in it working out. If you’re sure this isn’t right, your silence harms him as well as yourself.