Here's my newest Q&A. Send your questions to helpline@SunSentinel.com

Question: I’m 68 years young. Should I still have savings for retirement deducted from my paycheck, even though in three years, I’ll be taking those required distributions from my 401(k) account? Lynn Sklar, Plantation

Answer: The craziness on Wall Street may have you spooked. You're probably thinking, why put money in there, when it seems to evaporate daily?

But the thing is, investing your money somewhere is the way to make it grow. With your lovely upbeat attitude, you are probably going to have a nice, long retirement someday. I’d suggest you keep saving.

You can’t control the market, but you can control how much you fatten up that account with contributions.

And here’s some really great news for you: If you are still working at age 70 and a half – and you told me that’s your plan – you can put off taking the required minimum distribution until April 1 of the year after your retire.

Of course, there are a few technicalities to that.

This rule applies to anyone who is not the owner of 5 percent of the company where they are employed. And it only applies to your retirement account sponsored by your employer. If you had an Individual Retirement Account outside of work, you’d still have to begin taking those required minimum distributions by the April 1 of the year after you reached 70 and a half.

So keep working and you can keep saving!