My dude... you are not remembering the whole scene...
This is during the storm where Will, Judy, Chloe spend the night at Carol's farm because it's dangerous outside, a sleepover as Hannah put it. Will sleeps in the sofa downstairs and wake up to get food in the middle of the night. Carol comes downstairs too for a sex scene. AFTER that scene Judy also comes downstairs, almost catching the couple in the act. Judy says she heard weird noises but goes back to sleep. Carol than starts talking something like Judy wanting the dick, "and I thought our daughters were too young for you MC-kun" and then warns MC to not break any hearts. Carol in the phrase is referencing Judy, what is so difficult to understand that lol. Who else might she be talking about?! Who is this younger lady younger than her own daughter?? Judy of course...