I've found that when people rate their most painful experiences, their spouse's affair usually gets the top rating.For that reason alone, couples should avoid an affair at all costs because of the suffering it causes the betrayed spouse.

And it also has devastating economic consequences for most couples that have experienced an affair.

Yet, I estimate that over sixty percent of all couples will suffer through an affair at some point in their marriage.

As damaging as an affair is, you are likely to experience it in your marriage unless you take extraordinary precautions to avoid it.

The first place to look for the highest risks for an affair is to consider who is most likely to be an affair partner. More people have affairs with that person than with anyone else.

And the closer the friendship, the more likely the affair.

So a reasonable precaution to avoid an affair is to avoid opposite-sex friendships.

But does that mean that all of these friendships are equally risky? It all depends on how many love units a friend of the opposite sex can deposit in your Love Bank.

To review my most basic concept (the Love Bank), whenever someone of the opposite sex makes enough Love Bank deposits to breach the romantic love threshold in their account, romantic love for that person is triggered in you.

That person of the opposite sex becomes irresistible and that irresistibility, in turn, makes you somewhat irrational regarding the wisdom of the relationship -- you want that person to be in your life at all costs.