ANSWER:
If you have 85 grams of gold or above for a lunar year, you must give zakat on that.
If you have 595 grams of silver or more for a lunar year,you must give zakat on that.
If you have cash money that is equivalent to 595 grams of silver or more, you must give zakat on that.
2.5% Zakat is owed on any savings you have had in your possession for over a lunar year, therefore, if it stays with you for a lunar year, you must pay zakat on it.