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 sorrow, I seek refuge in You from helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and 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 dua is specifically recommended to be recited after finishing the obligatory (fard) prayers. It's a beautiful practice to turn to Allah immediately after fulfilling an act of worship, asking for His protection against worldly burdens.
How to Read
Recite this supplication after completing the tasleem (saying 'Assalamu alaykum wa rahmatullah' on both sides) of your obligatory prayer. It's a deeply personal request, so recite it with sincerity and conviction, visualizing Allah's power to shield you from these difficulties.
Virtues & Benefits
This powerful dua encapsulates seeking Allah's protection from a range of afflictions, both emotional and practical. Specifically, it addresses the fear and distress caused by debt ('burden of debt') and the humiliation or oppression that can come from being overcome by others ('overpowering of men'). By making this supplication, we acknowledge our dependence on Allah and entrust our well-being to His care, seeking His divine intervention to prevent and alleviate these hardships.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to supplicate: 'O Allah, I seek refuge in You from worry and grief. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and miserliness. I seek refuge in You from the dominion of debt and the subjugation of men.' (Sahih al-Bukhari 7018)