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The illiquidity of their assets, coupled with the rising cost of living — due in part to inflation and high interest rates — is another reason millennials feel less wealthy than they appear on paper.

It was that aspect of ice dance, coupled with a struggle to consistently perform the big jumps in single and pairs skating, that persuaded him to switch disciplines in 2015 at the age of 21.

The proposals followed widespread criticism from businesses that the increase in National Insurance announced in the Budget, coupled with the rise in the minimum wage, will make it harder for them to create new jobs.

Andy Williams, of Cardiff UCU, said: "The anger and frustration among staff, coupled with management intransigence, now sadly makes disruptive industrial action incredibly likely."

The warming of ocean temperatures caused by climate change, coupled with the acidification of the ocean due to nitrate runoff, have worsened toxic algal events, according to Warner.