Prayer is valid with just the recitation of al Fatiha, although one is missing out on a sunnah by not reciting another surah. The prayer is valid.

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You have to give zakat every lunar year if the money had reached the threshold; whether it happens to be Ramadan or any other month whether you are married or single!

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You should make isthikhara each time you have taken a decision and place your trust in Allah. Please watch this video about when to pray Istikhara: https://www.assimalhakeem.net/when-to-pray-istikhara/ and this one: https://www.youtube.com/watch?v=msaehIgYBJ0

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