The third pillar: zakaah (poor due, charity tax)

Re: The third pillar: zakaah (poor due, charity tax)

zakat is on the value of your wealth that you have had for a year right, minus any liabilities.

I have some questions regarding zakat on 401K investments. its wealth but wealth that i dont have access to now..and if i do want access to it, after penalties and taxes it will be worth less than it is.

how have other ppl handled it?