Okay ladies..... Help a girl out

Okay, so... my fiancé and I had unprotected sex during my period last month and one other time last month, neither of those times did he finish inside of me but we all know there are still possibilities.

I decided to take a test right before my period because I was feeling funky, it came back negative.... but now my period is 4 days late and that’s not normal for me. I don’t wanna take a test and then my period start right after. So my question is, what would y’all do? Would you wait it out, or take another test???