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.