The Surah in the first two rakah is sunnah but if a Muslim skips it, the prayer is valid. And if he adds a surah in the last two rakah, this is permissible.

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You can’t have this khul’a  without the ruling of an Islamic judge or his agreement to take financial compensation in return for divorcing you. Try the Islamic center.

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No problem but he must pay zakat if the savings reaches the level of nisaab and one lunar year passed by.

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