@arc90901 I'm a 24 y/o female and I couldn't touch my toes either, but started stretching every.single.time I went to the gym or was doing a workout (which varied between 2-6 times a week). I would spend at least 15 minutes stretching, making sure I held every one for at least 30 seconds, but up to one minute most of the time. I was probably a little closer than you were but I can now wrap my hands around the soles of my feet fairly easily and that probably took about a month to six weeks of stretching.
The main stretch that seemed to help is this one
https://goo.gl/images/Y7oGDz. I would recommend simply holding your leg as far down as you can. Hold this stretch for 30 seconds, then see if you can push yourself a
little bit further (not to the point where it's hurting) if you do this at least 3 times a week you'll definitely start seeing improvements, but if you spend a couple of minutes doing it on the floor when watching TV each night, this will help you achieve it faster
Note, if you warm up with a light jog before or something that gets you slightly sweaty, you're muscles will also be warmed up and you'll have greater flexibility. If you're "cold" then they're not going to be as "stretchy". The best way to think of your muscles is as a red skin, if they're warm they're going to be stretchy.
I find that stretching is one of my favourite parts of whenever I do a workout because it doesn't hurt or take effort and you shouldn't see it as a chore or something that's annoying to do. Stretching everyday is extremely important for flexibility and it feels good!
If you want extra stretches, I would look up ones for your hamstring because this is the muscle that needs to be worked to be able to touch your toes.