اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from anxiety and sorrow, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the oppression of men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is specifically recommended to be recited after finishing the obligatory prayers (Fardh). The Prophet Muhammad ﷺ taught us this dua as a means to seek Allah's protection from significant worldly and spiritual burdens, including debt. Making this part of your post-prayer routine can help alleviate the worries associated with financial hardship and the fear of being overwhelmed by it.
How to Read
After completing your Tashahhud and just before the Tasleem (saying 'As-salamu alaykum wa rahmatullah'), or immediately after the Tasleem, you should recite this dua with sincerity and conviction. Raise your hands if you feel comfortable doing so after the prayer, though it is not a strict condition. Focus on the meaning of each phrase as you utter it, truly seeking Allah's refuge and aid. Remember, the intention and the heartfelt plea are paramount.
Virtues & Benefits
This dua is a comprehensive supplication that addresses key sources of distress. Seeking refuge in Allah from anxiety and sorrow helps in maintaining mental peace. Protection from incapacity and laziness aids in taking productive steps towards solutions. Shielding yourself from cowardice and stinginess fosters courage and generosity, essential traits for overcoming challenges. Most importantly, seeking refuge from the 'burden of debt and the oppression of men' is a direct plea for financial liberation and protection from exploitative situations. The Prophet ﷺ himself would often say this dua, indicating its immense importance. (Sahih al-Bukhari 6369)
Source & Authentication
Narrated Abu Sa'id Al-Khudri: The Prophet ﷺ used to seek refuge (in Allah) from the evil eye of Jinn and men, but when the verses of Surah Al-Jinn were revealed, he stopped doing so and took to the verses of the whole Quran. Narrated Abu Huraira: The Prophet ﷺ used to say: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.' (O Allah, I seek refuge in You from anxiety and sorrow, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the oppression of men.)