Back in the day, I like to think the road to dirty talk was a lot like Frodo's journey with the Fellowship. At first there's only the far-off ominous threat of evil pursuing them and a handful of Ring Wraiths, and by the end it's Frodo climbing Mount Doom deep in the heart of Mordor while the rest of the Hobbits are facing off against a full-on Orc army. Adam West's torso is your Mordor, and you can't start your journey there. That's a place only giant eagles can rescue you from. You started in the dirty talk Shire saying classy shit like "I'm quite fond of the underside of your boobs, ma'am." And slowly, you and your purple-headed Samwise (you ladies have Pippin in a canoe) build up and up and a trust is established as your sexual rapport allows for it. So far, far down the road, when your sexual relationship has reached that point where you know how to fully and delightfully satisfy each other, you can really bust out the gems that would embarrass you in public should word of your filthy mouth ever get out.
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"No one must ever know of my penchant for filling my ass with custard."
Unfortunately, in our modern world, things like porn and hilarious college comedies have really accelerated the sexual experience, at least in the minds of people who ain't so bright. Some people seem to legitimately expect that sex should be happening as soon as they feel the need for it, and it had better be a facial-infused, filthy-talk boob-bouncing jamboree, or else they'll take their frosted tips and gemstone-chip necklace and go home. These are the kind of people who jump from first kiss to "lick my balloon knot like a starving dog hunting for Snausages" within seconds.
Dirty talk always has to be gauged lest you destroy everything. Sex is like Jenga, and dirty talk can be the load-bearing block that, in this case, is bearing your load, and it'll be on your hands if you do it wrong. Start too soon and too filthy, and you put the other person off. Bust out fetishes that are illegal even in most blue states, and you alienate your partner by making them think maybe you've escaped from some kind of institute.