Couples trying to save money when they divorce often ignore their pensions. For the wife (usually) this is a huge mistake and a false economy. What lawyers call 'relationship generated disadvantage' or taking time out of work to have children means her pension will be much less valuable than her husband's. Had they stayed together she would have benefitted from the income derived from his pension in retirement. When they separate she won't unless there is a pension sharing order. Even pension accrued before the marriage or after separation can be shared. Equality of income on retirement is a fair outcome or at least some compensation from joint capital if that isn't achieved. It's very important to take legal advice on pensions.