Hi Vickie
Just my thoughts:-
Sounds as though you may have been considering change of lifestyle in some way which you know will make some good changes, but the change may mean looking at things in a fresh way. I believe the sea/beach represents a kind of spring clean in life.
However, you have some reservations for the change and this has been represented by the shaky pier and the fear of drowning. The dream within the dream is trying to tell you to dismiss the fears and go with your new desires of change because you have to take chances in life sometimes. Your husband being with you and comforting you shows he will be 100% behind your choice(s) and will always be there beside you.
Good luck.
