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)