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 helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overwhelming 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-bukhl, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.
When to Read
Recite this dua when the worries of financial insecurity begin to weigh on your heart. It's particularly potent when you feel overwhelmed by debt or the pressure of providing for yourself or your family. Say it in the morning and evening, as taught by the Prophet ﷺ, to seek Allah's protection throughout the day and night.
How to Read
Raise your hands, placing the palms together, and recite this supplication with sincere focus and a humble heart. Believe that Allah is the ultimate provider and the only One who can truly alleviate your distress. Understanding the meaning of each phrase will deepen its impact.
Virtues & Benefits
This powerful dua, taught by the Prophet Muhammad ﷺ himself, directly addresses a range of debilitating worries. By seeking refuge in Allah from anxiety and sorrow, we acknowledge that true peace comes from Him. Protection from helplessness and laziness ensures we maintain our effort while relying on Allah's decree. Shielding ourselves from cowardice and stinginess helps us remain steadfast and generous, even in difficult times. Most critically, seeking refuge from overwhelming debt and the subjugation of men directly tackles the severe anxieties tied to financial hardship, asking Allah to protect us from these heavy burdens.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah! I seek refuge in You from worry and grief, from helplessness and laziness, from cowardice and miserliness, and from the overwhelming of debt and the subjugation of men." (Sahih al-Bukhari 6369)