Lyric discussion by marpargar 

Cover art for Young Girl lyrics by Gary Puckett & The Union Gap

Most of the lyrics should be read at face value, however the first verse especially hides common terms that, at the time this song was released, were used to disguise adult concepts unsuitable for airplay. For example any song from around the 1960's that uses the word 'charms' in this way is talking about breasts.

With all the charms of a woman [With fully developed breasts and body] You've kept the secret of your youth [You've kept your virginity] You led me to believe you're old enough [You led me to believe you were over the age of consent] To give me love [To sleep with me] And now it hurts to know the truth [And now I've got blue balls]

My Opinion