So dh is very well qualified. When we first met, I was always told by him how he was going to get X job and earn X amount by this stage of life etc. I believed him. It came around to applying for these jobs, and the market had all but closed up. So he accepted a different job as a stop gap. It's decently paid, but not very highly paid like he said he was going to get.
That's fine. His employer knows the market has changed so dh is at risk of jumping ship for far higher pay elsewhere. So they have offered to fund a masters course for him, which he has accepted, which means he would have to work for the company for 2 years or face paying back £20k. The masters isn't really worth that, and people in his industry have told me that it's a bit of a waste of time. Essentially, his employer has dangled a rotten carrot to keep him working for them as they wouldn't be able to replace him. There is no scope for asking for a pay increase as it's a huge multinational with strict rules.
I think the real reason dh wants to stay in the job is that it's 10am-6pm, and generally zero pressure. But before this, he was all for going for the very highly paid job and working long hours to set himself up in a lucrative career. This suited us as I work in a long hours high pressure job, so it sort of feels like he no longer aims for the stars because he knows that (hopefully) I am on the track to a high paying job, so he will still benefit from a high salary.