I don't work with the assumption of masturbation. A married man or woman is not supposed to engage in masturbation.
And... If they do, the possibility of cheating becomes reality really high.
So if you have a wife and you're masturbating, you're most likely to cheat or are already cheating on her.
If she has a husband, but is masturbating, she's most likely to cheat or is already cheating on him.
Above all, love God.