Allāhumma innī aʿūdhu bika min-l-hammi wa-l-ḥazan, wa aʿūdhu bika min-l-ʿajzi wa-l-kasal, wa aʿūdhu bika min-l-jubni wa-l-bukhl, wa aʿūdhu bika min ghalabati-d-dayni wa qahri-r-rijāl.
O Allah, I seek Your protection from anxiety and grief. I seek Your protection from inability and laziness. I seek Your protection from cowardice and miserliness, and I seek Your protection from being overcome by debt and being overpowered by men.
Abū Saʿīd al-Khudrī (raḍiy Allāhu ʿanhu) narrated that one day, the Messenger of Allah ﷺ entered the masjid. He saw a man from the Anṣār called Abū Umāmah (raḍiy Allāhu ʿanhu). He ﷺ asked, “What is the matter? Why are you sitting in the mosque when it is not the time for prayer?” He replied, “Never-ending worries and debts, O Messenger of Allah.” The Messenger of Allah ﷺ then asked, “Shall I not teach you words by which, when you say them, Allah will remove your worries, and settle your debts?” He replied, “Yes of course, O Messenger of Allah.” He ﷺ said, “Say in the morning and evening [the above].” Abū Umāmah (raḍiy Allāhu ʿanhu) said, “Then I did that, and Allah removed my worries and settled my debts.” (Abū Dāwūd 1555)
Innā lillāhi wa innā ilayhi rājiʿūn, Allāhumma-‘jurnī fī muṣībatī, wa akhlif lī khayram-minha.
To Allah we belong and unto Him is our return. O Allah, recompense me for my affliction and replace it for me with something better.
Umm Salamah (raḍiy Allāhu ‘anhā) said: I heard the Messenger of Allah ﷺ say, “There is no Muslim who is afflicted with a calamity, and then says what Allah has commanded him [the above supplication], except that Allah will recompense him with something better than it.” She says: “When Abū Salamah (her first husband) passed away, I said, ‘Which Muslim is better than Abū Salamah – the first household to migrate to the Messenger of Allah?’ I then said (the above duʿā’), and Allah recompensed me (by marrying me to) the Messenger of Allah ﷺ.” (Muslim 918)