To be horny is when you have the need to get laid sexually. To please yourself (Girs) You could have a guy fuck you or finger yourself. Whenever I finger myself I cum SO hard. You should try it, and believe me it feels good.
"Come fuck me baby, I'm horny"
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To finger is when a male or Female Jerks 1 or more fingers in a females pussy, for pleasure.
"Babe, I want you to finger me now, before you fuck me"