My wife pays zakat every year on the gold jewelry she owns.This year she lost her job and there is no other (husband also unemployed) source of income to pay zakat. We have huge responsibilities of paying for the education of my two children studying in US. With much difficulty we are managing our expenses and children’s expenses. Do we still pay Zakat? If yes, how?

To avoid paying zakat during retirement (as there will not be enough income to pay zakat) my wife wants to exchange her gold jewelry to Diamond jewelry. Is it permissible? If not, how do we pay zakat if there is no source of income?

Grateful for your advise!

  • You are asking two very different things here. I recommend you post them as separate questions. – goldPseudo Aug 18 '19 at 21:53
  • Your question title has many answers on the site zakat must be paid based on known conditions and having a source of income is none of these. – Medi1Saif Aug 19 '19 at 8:23

Zakat has nothing to do with income and everything to do with stored wealth. If your wife's jewelry counts as stored wealth (a matter which I believe there is some scholarly dispute on) and is above the nisab then zakat is due on it, period.

The owed zakat on zakatable gold is a percentage of that gold, which can be paid in cash or kind; if you have enough income to cover an equivalent cost with cash good for you, but if you don't then you just have to give away the necessary amount of gold, regardless of form be it jewelry or whatever. As long as you have enough stored wealth to owe zakat on there's no excuse not to pay it.

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