Withdraw questions

Hey ladies I have a question.. does anyone know how well the withdrawal method actually works. My husband and I use this method daily and being that we are married and wouldn't mind the surprise of getting pregnant again. We just arint actually financially stable enough for another one. So does anyone know how effective this is? And are the rumers true that the pre cum from a male is just as likely to get me pregnant then it would be to actually ejaculate in me??? 😕😕