How do I talk kinky and dirty

You learn by watching porn.

Imagination and creativity.

Original stories and physical descriptions are the most sexually stimulating and satisfying for the listener.

It is really best to learn from a real expert in talking dirty like I did. ;)

Well... first why do you want to know? A boyfriend asking you to do this? How old are you and how old is he? Any sexual activity yet? Answer these questions and we can talk more.