When it comes to teens having babies, it’s a matter of pay me now or pay me later. You can pay for the programs that help teens understand sex and make good decisions about it, and you can pay for the health care services that provide them with options for contraception. Or you can pay for the misfortunes that are more likely to befall the child of a teen mother: health problems, behavioral and educational issues, and a greater likelihood of criminal troubles in adolescence and young adulthood.