There is a big difference mentally between just going along unprotected and really "trying" by tracking cycles and making sure to have sex on specific days, as all veterans of infertility know. After 2.5 years of tracking ovulation and failed treatments, I was surprised the one time it actually worked!
I can imagine how some people would know it was a possibility, but feel that the pregnancy was a suprise because they weren't planning for it to happen at that particular moment.
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financial checklist:
[x] emergency fund fully funded [x] no cc debt [x] >10% to 401k
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