Is Zakat obligatory on money and gold together when the money reaches the Nisab, while the gold does not reach the Nisab, but with the intention of combining the two assets?

Previously, the scholarly disagreement regarding the obligation of zakat on jewelry was mentioned, and the preponderant opinion is that there is no obligation of zakat on jewelry intended for adornment, even if it exceeds the nisab. The questioner must pay zakat on her money if it reaches the nisab and a full year has passed over it, and jewelry is not to be included with it because there is no zakat due on it.