We were at the beach and I fully expected my mom to tell me to strip nude and play completely naked, but for whatever reason she was in a good mood and simply told me to change into my swimsuit, which was only about 30 seconds of nudity compared to hours.
Now the unexpected part was that after changing I went into the water, and a small distance away met a girl, who also appeared to be on vacation with her family, around age 13-14.
Except just like me, she was shirtless, and unlike my male chest, she actually had pretty noticeable budding breasts. Not full blown boobs, but enough to notice. And clearly she was a bit embarassed about it, but she was with her family so she was kind of trying to ignore it.
Her mother seemed to be against the toplessness but her dad was playing with her just like a little girl, so I suppose she was still "daddy's little girl" in his mind.
Anyways, while I continued to look at her tits (obviously), when she actually noticed me she became incredibly shy, and for some reason put her hands on her shorts to cover her pussy, which was already covered by her black shorts.
I was puzzled but waited a bit over there... Turns out they didn't have a towel, so little Miss topless had to step out of her shorts and stand completely nude , hands in the air while her dad wiped down her body, butt and pussy included.
I still remember seeing the pink in her cheeks, but she couldn't object either because I was being quite discreet, building a sandcastle (quite sloppily) while sneaking looks at her.
Her mom took a couple pictures with her dad picking her up naked. Wonder how those look in the family albums

Her total nudity didn't last too long, roundabout 3-5 minutes, before she got dressed into normal clothes, and also a top.
I casually walked past her and whispered "I saw everything", and while leaving the beach a couple minutes later, she walked past me and said "I know, at least you're cute" and left.
I still have thoughts about whether I could have maybe found a way to contact her for later, but it remains only a what if...
P.S. maybe someone could use this premise and make an ENF story, where I meet her later on, either at the hotel or years later at the beach again?