Qurbaani

Upon whom is qurbaani compulsory?

Q: I have two questions I need to ask. I was talking to my husband yesterday about Qurbaani and we had a disagreement. He told me that Qurbaani is not farz, and my belief is that Qurbani is fardh if you are working and have a steady income. Can you please clarify that for me. Also another question is about zakaat. My husband told me that we already give zakaat in the form of tax, so we don't have to give it anymore, but my questions is about the savings and all the saving plans that we have and the money that lies there, isn't it farz to give zakat on that? Please let me know. I would appreciate it very much.