This is an accurate way to describe it, but it can mean other things - and by much more pleasureable - than just being a sort of sex with fingers instead of with penis.
The clitoris can be rubbed, the entire genital area can be rubbed, and more than one finger may go inside.
The finger might stay still, move in circles, or go in and out. The possibilities are endless.
It can be painful the fist few times it happens, particularly if you are not excited or ready for it to happen. If you are tense, your vagina will be tense - and that's normal.
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