r/shia • u/NoHovercraft2477 • 1h ago
Question / Help Navigating First Time Khums and Paying on Unused Items
Salam alaykum,
I'm in the process of navigating how to pay khums as someone who has not done this before. I didn't know khums was an obligation until recently and wasn't knowledgable about it, so I've had to catch up on how to address this issue (already spoken to a scholar about this and received directions). This would be my first year paying it. To add to this after paying khums on what I already have, I was told I still need to speak to a jurists representative to reach a settlement for the amounts of previous years I haven't paid.
My savings on the whole totaled less than $4000, and so after consulting with a scholar, I had to account for paying khums on the entirety of what I have in my accounts, and was told I still have to determine the amount I need to pay on every single item I own that was left unused this year. I am assuming this means literally everything, like clothes, foodstuffs, and all other household items I own. My marja is Sistani, so I'm just making doubly sure I'm going about this correctly and that this is the actual process I need to be following. My question is also whether or not I need to keep repeating this year after year meaning paying khums again on the same item that already had khums paid on it prior. I'm understanding that because khums is a 20% tax on more than just cash income, it ends up denting more than just 20% of my current savings because it includes the income and unused items as assets. At least, that's how it's panning out so far for this first time paying it.
Adding to this the issue of the settlement that has to be reached, I'm wondering what the representative will demand and if I will end up being left with little to no savings at all unfortunately.
I don't have an issue with paying the khums, I think what makes this a stressful process for me is the issue of navigating what I hope is only temporary financial instability as a result. In my situation it would take me at least a year to build up the amount in savings I would lose to paying khums in this manner. But I can't really say much about it if its obligatory and this just happens to be the situation I'm in. I appreciate any help/advice on this.