Navigating Zakat on Retirement Funds – Seeking Some Clarity

Assalamu alaikum everyone, I've been diving into how zakat applies to retirement accounts-things like 403b plans and Roth IRAs-and honestly, it's left me a bit puzzled. It seems like every resource or scholar I come across offers a different take on the matter. Some mention that zakat should be calculated annually on the vested amount, others suggest waiting until you actually withdraw the funds, and a few even recommend adjusting for things like taxes or penalties. If I tried to pay zakat on my whole retirement balance right now, I simply don't have enough liquid cash to cover it. For now, my approach is to continue paying zakat on what's easily accessible: my cash savings, gold, and taxable investments. That way, I'm fulfilling what I can with the funds available to me at present. Regarding the retirement accounts, I've read in a few places that it might be acceptable to track the zakat due and settle it later when the money becomes accessible. I know that might mean keeping careful records over the years, but I'm willing to put in the effort to stay organized and consistent with it. Has anyone else wrestled with this uncertainty? How did you decide on a way forward, and what helped you feel confident in your choice? JazakAllahu khayran for any insights you can share.