You can do quite a bit with your pay “pre tax”. Fund your retirement 401k, fund your healthcare plans HSA/FSA, fund child care dependant plan, vision, dental, life insurance… If I said my income was only what hits my bank account then i would be understating my income by quite a bit.

Really good points. I was only thinking of the structure of the concrete… Sea life growth is a whole other ball game!

There are 2000 year old Roman concrete piers that are still just hanging out in sea water. So it’s possible if you find the right mix.