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 worry and grief, and I seek refuge in You from helplessness and laziness, and I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overwhelming burden of debt and the subjugation 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-rijali.
When to Read
Recite this powerful dua when you feel the weight of overwhelming debt pressing down on you. It's particularly potent when financial worries cause significant anxiety and distress. Say it at any time, but especially after your obligatory prayers (salat), making sure to raise your hands as you do.
How to Read
This dua is comprehensive, covering key areas of distress. Utter it with sincere conviction, focusing on each phrase and what it signifies. Imagine seeking Allah's protection from each specific hardship mentioned. The Prophet Muhammad ﷺ taught this dua, showing us that even he, the best of creation, sought refuge in Allah from these difficulties. Let this give you comfort that you are not alone in facing such trials, and that Allah hears your supplications.
Virtues & Benefits
This dua offers immense relief by directly seeking Allah's protection from the very things that cause financial anxiety: worry, grief, inability, laziness, fear, and miserliness. Most importantly, it specifically asks for refuge from the 'overwhelming burden of debt and the subjugation of men,' which speaks directly to the core anxieties of financial ruin. By reciting this, we are actively turning to our Creator, the ultimate source of relief and provision, acknowledging our reliance on Him to ease our burdens and guide us towards sound financial solutions.
Source & Authentication
Narrated Anas: 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali." (Sahih al-Bukhari 6369)