Matthew Stafford getting hit where it hurts was actually a gift to his wife ... 'cause she joked the blow below the belt he suffered in Sunday's game against the Eagles was a free vasectomy!!

Kelly -- who married Stafford in 2015 -- had the funny take about the Rams quarterback on her latest episode of her "The Morning After" podcast ... and she explained what he told her about the third-quarter incident after the loss. Getty

"He goes back in [to the game], thank goodness, and after the game, I'm like, 'Hey, what was going on. Like, are you OK?"" Kelly said. "He was like, ‘Yeah, I got my nuts crushed.'"

While that sounds painful as heck, Kelly saw a silver lining.

"I looked at him and was like, 'Well, you know what, that's God’s way of taking care of your vasectomy since you hav

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