Aishyk97 A simple trick to answer combination/probability questions such as the above would be to take note of the word "at least"
Typically, for such questions, it is always easier arrive at the answer by taking total number of possibilities and subtracting from it the complement of what we are asked.
In the above question, we are asked to find zip codes where at least one digit is repeated. Therefore, from the total number of possible zip codes, we need to subtract number of zip codes where NONE of the digits are repeated.
Here is how your login in taking 10*10*10*10*9 is wrong:
1st digit: 10 options - Say we choose 1
2nd digit: 10 options - Say we choose 2
3rd digit: 10 options - Say we choose 3
4th digit: 10 options - Say we choose 4
5th digit: 9 options. I can choose the number 5 and the resulting number i.e. 12345 has 5 different digits. While I could've chosen the number 3 in which case the one of the digits would've been repeated, I can still choose other digits wherein all digits of the zip code will not have any repeated numbers.
Hope you've understood. All the best, Cheers