Answer:
God say in the Quran :
« Successful indeed are the believers, Who are humble in their prayers, And who keep aloof from what is vain, And who are givers of poor-rate, And who guard their private parts, Except before their mates (azwajihim) or those whom their right hands possess, for they surely are not blameable, But whoever seeks to go beyond that, these are they that exceed the limits; S. 23:1-7 Shakir »
You can have sex with your wives. Not before marriage and no masturbation.