I never masturbated until recently. And I find it hurts, so I don’t really ever do it.
I’m still virgin so no comment on the sex part
Captain Caregiver, while there's no right or wrong way to masturbate, I have to wonder if you're masturbating via penetrative objects (or fingers) because that mimics penis-in-vagina sex.
That can hurt for several reasons--you're dry, your body not self-lubricating like it does on arousal; your vaginal opening is tight because you're not sexually active; you're clenched because you anticipate pain; or you still have all or part of your hymen.
While there's nothing wrong with sticking things in your vagina if it feels good (and if the thing chosen is safe, of course), that's not necessarily a path to sexual pleasure for a woman.
Can I suggest you try focusing on your clitoris, not worrying about what's happening with your vagina, the next time you feel like masturbating? It's the seat of the female orgasm, and rubbing it with the flat of your finger(s), not pressing hard, at whatever speed feels okay, may bring you pleasure or even an orgasm, and it definitely won't cause you pain.
Recommended reading: "The Vagina Bible" by Dr. Jen Gunter. It's only ten bucks and has a lot of useful information for any pre-menopausal woman.