She wants you to go skinny dipping with her
Your first holiday together, you could only afford a cheap villa in the mountains, not a luxury clubbing hotel in Ibiza but you decided to make the best of it. On the first day, the sun was out, and a couple of glasses of cheap cold white wine was enough for the shyness to evaporate. She slowly took her bikini off and suggested you do the same; standing naked by the small pool with a beautiful girl, it's amazing you got any swimming done that week.