He said: “Mathematically if you do it now, you don’t have a house payment and you can save more.”

Lisa said she is in the school system so she would receive a pension when she eventually retires.

If she worked for four more years, she would have been able to receive full benefits but told Mr Ramsey that she was “burning out”.

She did not know if she could work that long as the job was taking a toll on her.

If she retired in two years, she would receive $1,800 (around £1,330) each month, whereas if she can wait four years, she could get up to $2,300 (around £1,699) a month.