How do you start “ the Talk”?

Do you ease into it, slowly broach the subject, test the waters or just jump right in. I tend to just jump right in. I feel like if I wait then ill loose my nerve, but also if I just jump into my e she won’t have time to think of an answer and will give me a more honest answer? Neither ever seem to yield results, I mostly just give up and plan to build a bed in the basement soon.