Wait until...: A common reason for having unprotected sex is to have a baby. Thus, a couple should wait until they are happily married, settled down, with stable jobs providing health insurance (because babies have lots of doctor visits and health expenses) before having unprotected sex. A second reason for unprotected sex is when both people know with certainty that neither of them have any STI (STD) germs.
Answered 4/13/2018
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