You’re probably aware of the “still working” exception found in certain employer-sponsored retirement plans. These exceptions allow people to delay taking required minimum distributions (RMDs) from your retirement account if you are still working at age 70 1/2. Taking advantage of still working exceptions can extend your retirement savings by allowing you to delay tapping into your nest egg. However, do you know what it means to be “still working?” If you don’t, then you’re in good company, because the IRS doesn’t have a definition either. Don’t worry, though, as that isn’t as scary as it seems. Chances are if you are working part-time–that is, somewhere in the realm of 20 hours a week–then chances are you will be just fine with the still working exception, if you seek to take advantage of it. However, if you are well below that 20 hour threshold, you may want to confer with your plan custodian and discuss any guidelines they may have regarding taking advantage of a still working exception. Remember, the last thing you want to end up doing is getting in trouble for not taking an RMD when you should have. If you have no intentions of retiring or stopping working at age 70 1/2, you may want to see if your retirement plans will allow you to delay RMDs or if they have a still working exception. You should review those exceptions and make sure you understand how they work and what requirements they may have regarding employment and the amount of hours you need to work.