While it is unlikely that you will get pregnant, it is important to remember that pulling out is not effective in preventing pregnancy or exposure to a sexually transmitted infection. In males, the early part of ejaculation is called pre-cum and can have just as much sperm (the part that can make a female pregnant) as the full ejaculation (cum) does. It is also important to know that if a man has an STI (sexually transmitted infection – like gonorrhea [GC], chlamydia, or even HIV), his “pre-cum” can infect a woman. Both men and women, who choose to become sexually active, had a responsibility to protect themselves against an unplanned pregnancy and to protect their health. As you put it, having unprotected sex is stupid and can lead to lifelong changes for both of you.