If relgion is not your reason for waiting what is your reason? if you don't wait is it because of your lack of religion?
I was not brought up in church so I never had anyone advising me, pressuring me, or guilting me into waiting to have sex.
I do believe that it is wise to wait until you are educated about the risk of sex, as in children and disease. And also understand that sex is not love. To each his own.