Few cheaters — only 2 percent — were busted in the act.

And even when confronted with a partner's suspicions, only 6 percent of both men and women confessed to having an affair.

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Survey takers guessed that twice as many people are having extramarital affairs as really are, estimating that 44 percent of married men and 36 percent of married women are unfaithful.

The reality is it's not as rampant as we think, with 28 percent of married men and 18 percent of married women admitting to having a sexual liaison, the survey found.

An unexpected 7 percent of women and 9 percent of men cheated while there was a baby under the age of 2 in the home.

It also appears that money doesn’t buy marital happiness. Many thrive on the excitement they get from a fling (30 percent overall), but men and women are generally prowling for different things.

About three-quarters of the survey takers say they've made a monogamous commitment, with a majority either married or remarried.

But a significant portion found it easier to make that promise than keep it.

For men with money, infidelity is just another perk. Men want more sex (44 percent), more satisfying sex (38 percent) and variety (40 percent), findings that closely resemble the 2006 MSNBC.com/Elle magazine survey on monogamy.

Among men making more than 0,000 a year, 32 percent report cheating, compared to 21 percent of men making less than ,000 a year. “Wealthy men may simply have more dating opportunities than men with less income,” says David Frederick, a psychologist at the University of California, Los Angeles, who helped analyze the survey findings. “Mostly I’ve cheated because of the excitement,” writes a 38-year-old man who took the survey.

“Men are more threatened sexually by the sense of competition and comparison; women are more threatened by the loss of the emotional intimacy,” says Leiblum.