My husband and I mess around a lot throughout the day even between prayer times. We don't have sexual intercourse unless we know we have enough time to do ghusl before the next prayer.
My questions are
1) if the husband touches his wife's private area with his hand does SHE need to do ghusl?
2) What if he inserts his FINGERS? without her reaching an orgasm, just having fun. Is ghusl required?