If you mean if it’s OK to make wudhu while being naked, this is permissible.

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If this is haram money, you must dispose of it in means of charity to cleanse your money and not use it for your benefits.

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Dreadlocks are made of using one own’s hair by twisting and locking them and this is permissible. In case of wudhu, wiping over the head is sufficient, while for ghusl, the water must reach the roots of the hair and your scalp. You say the water reaches the scalp / roots, so this is permissible.

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