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Bismihi ta'ala

In the case of khums payment, it is not dependent on whether you work or not. It is a matter of what you have when your khums date comes. Should you have any savings that you have not paid khums on before, and it is your pure excess and savings from that year, then you will need to pay khums on it. 

In addition to this, another case of khums being applicable on you would be items that you own and are new and you have not used. 

Please refer to your Marja' taqleed for detailed information.

And Allah knows best.

Yes, it is allowed if it is necessary.

Wassalam.

Bismihi ta'ala

Khums is to be paid when your khums day comes, and you have savings, irrespective of whether this comes from work or from support allowance, as long as it belongs to you.

And Allah knows best.

If the money has not been used and will not be shortly used in building your home or its extension which you use for residence, then Khums is obligatory on it.

Wassalam.