Need some insight please

Lilly • 21 married
Okay so my SO and I have have unprotected sex all the time and use the pull out method , I'm 7 days late took a test yesterday and it was negative I've never been regular but I've never been This late either is there a chance I could be pregnant and it's just to early to tell ? My husband and I have spoken about kids before and we both decided right now isn't the best time and I know we are dumb for not using protection but it's worked the last 5 years ugh it's hard not having other women friends to talk to about this kind of stuff...