اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
O Allah, I seek refuge in You from anxiety and sorrow, from helplessness and laziness, from stinginess and cowardice, and from the burden of debt and being overpowered by men.
Allahumma inni a'udhu bika minal-hammi wal-hazan, wal-'ajzi wal-kasal, wal-bukhli wal-jubn, wa dal'id-dayn wa ghalabatir-rijal.
When to Read
This comprehensive dua is particularly beneficial to recite daily, especially in the mornings and evenings. You can turn to it whenever you feel overwhelmed by worries about finding employment, managing financial difficulties, or struggling with debt. It's a powerful invocation for any moment you experience feelings of helplessness, sadness, or lack of motivation.
How to Read
Recite this dua with full sincerity and conviction, reflecting on the profound meanings of each phrase. Understand that you are seeking refuge in Allah from various forms of inner and outer distress. While raising hands is a general Sunnah for dua, the most important aspect here is the sincerity of your heart and your firm belief in Allah's power to grant relief. Take a moment to internalize the meaning of each protection you seek: from anxiety (hamm), sorrow (hazan), inability to act (ajz), procrastination (kasal), holding back (bukhl), fear (jubn), crushing debt (dal'id-dayn), and being overcome by external pressures (ghalabatir-rijal).
Virtues & Benefits
This dua encompasses a vast spectrum of protection. By reciting it, you are seeking refuge in Allah from the internal turmoil of anxiety and grief often associated with unemployment and financial stress. You ask to be freed from helplessness and laziness, which can hinder efforts to seek sustenance. You also seek protection from the psychological burdens of stinginess and cowardice, which can prevent one from taking necessary steps or making difficult financial decisions. Most directly, it offers solace from the literal burden of debt and the feeling of being overpowered by circumstances or people, common struggles during financial instability. The Prophet ﷺ himself regularly recited this dua, teaching us its profound importance in navigating life's challenges with reliance on Allah.
Source & Authentication
Anas bin Malik (may Allah be pleased with him) reported that the Messenger of Allah (ﷺ) used to say: > **Arabic:** اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ > > **Translation:** "O Allah, I seek refuge in You from anxiety and sorrow, from helplessness and laziness, from stinginess and cowardice, and from the burden of debt and being overpowered by men." > > — Sahih al-Bukhari 6369