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 grief and sadness, 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 being overcome by debt and from the overpowering 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is best recited after completing your obligatory prayers (Salah). It’s a perfect moment of spiritual connection when your heart is most receptive. You can also make it a part of your regular supplications throughout the day, especially when you feel the weight of worries or the burden of debt pressing down.
How to Read
Raise your hands in supplication, as is the Sunnah after Salah. Face the Qiblah, if possible, and recite this dua with sincerity and conviction. Imagine yourself entrusting these burdens to Allah (Glorified and Exalted is He). The Prophet Muhammad ﷺ taught us to seek Allah's refuge from specific evils; by reciting this, we are actively turning to Him for protection and relief.
Virtues & Benefits
This dua directly addresses two of the most significant burdens many of us face: overwhelming worries and crushing debt. By seeking refuge in Allah, we acknowledge that true relief comes only from Him. The Prophet Muhammad ﷺ himself would say this dua often, indicating its immense importance and effectiveness in seeking solace and a way out of difficult circumstances. It helps foster a sense of reliance on Allah (Tawakkul) and reduces the mental anguish associated with these challenges.
Source & Authentication
Narrated Anas (may Allah be pleased with him): The Prophet (ﷺ) used to say, 'O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from being overwhelmed by debt and overpowered by men.' (Sahih al-Bukhari 6369)