How do I begin paying Khums if I’ve never paid before? Do I need to pay on previous savings? If my debt is larger than my savings, is khums compulsory?

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Even if your previous khums amount is more than your present saving but you have to pay your previous khums. But there Is a way to solve this issue. You just please call any of the representative (wakeel) of your Marja. Inshallah he will advise your what to do.