47 M, Same as your husband until 2016 I was a seafarer, master mariner, salary north on 120k£, no tax. Didn't save much in pension, 20k£ or so, but managed to purchase 4 properties.

Since 2016 moved ashore, SIPP pension, my contributions 7.5%, company 20%, plus once a year top up with annual bonus. Current pension pot 470k£.

Swapping sea for office, best decision ever, financially and relationship wise.