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QUESTION: I had $30,000 in Jan 2025. In Jan 2026, I have $1000 on hand. I used $20,000 to buy silver and gold bars as investment and 10,000 dollars I gave as a loan. I also own two gold necklaces weighing 8gms all, for personal use. I did earn more throughout the year but I spent that for my basic needs, food, clothing and shelter. What amount should I pay Zakat on this year? I am very confused.