I Have inhaerited 20.000 from my late mum ( may Allah grant her jannah). i have been taking out zakaat on this money every year.
i am a single unemployed mother who has a morgage of 136,000. i am not sure if zakaat becomes compulsory on me for the 20,000.
a)i have given the money to my two boys, the money is invested by my brother for them until they are of age, inshallah. thus this stil make me responsible for zakaat on this money.
b) do i need to write out a will or by giving the money by saying it’s theirs is good enough.