is it rare to get pregnant if a guy had cum on his finger? because he would have to put it "inside" me right?
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Cum and fingering
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I don't know how often it happens, but it's certainly possible if he puts his fingers inside. If he doesn't put his fingers inside it's extremely unlikely that enough sperm would get in.
If he gets cum on his hand he should wash his hands well and dry them well before any more fingering.