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, from helplessness and laziness, from cowardice and miserliness, and from the burden of debt and from being overpowered by 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 profound dua was specifically taught by the Prophet Muhammad ﷺ to be recited in the **morning and evening**. It’s part of our daily remembrances (adhkar) that provide spiritual fortification throughout the day and night. When you feel the weight of financial burden, worry, or fear of external pressures, this dua becomes especially pertinent. Make it a regular part of your daily routine, seeking Allah's refuge before your day begins and as it winds down.
How to Read
Reciting this dua is more than just uttering words; it's a sincere plea from the heart to Allah. Before you begin, gather your thoughts and focus on the meaning of each phrase. Reflect on the worries, anxieties, and debts that weigh you down. Acknowledge your vulnerability before Allah, the Most Capable. Speak the words clearly, understanding that you are seeking refuge in the One who can remove all burdens. Let your heart be present, trusting in Allah's power and mercy. While no specific posture is mandated, supplicating with humility and sincerity, perhaps with raised hands as is common in dua, can enhance your connection.
Virtues & Benefits
The immense benefit of this dua is beautifully illustrated in the story of Abu Umamah (may Allah be pleased with him), to whom the Prophet ﷺ taught it. Abu Umamah was burdened by worries and debts. After reciting these words as instructed, Allah removed his worries and settled his debts. This isn't just a tale; it's a **direct promise of relief** for us, too. By consistently reciting this dua, you are: * **Seeking protection from worry (hamm) and grief (hazan):** These are often the first emotional tolls of financial distress. * **Fortifying yourself against helplessness ('ajz) and laziness (kasal):** These weaknesses can hinder efforts to overcome debt or improve one's situation. * **Guarding against cowardice (jubn) and miserliness (bukhl):** These character flaws can prevent one from taking necessary actions or fulfilling obligations. * **Asking for freedom from the burden of debt (ghalabatid-dayn):** A direct supplication for financial liberation. * **Seeking refuge from being overpowered by men (qahrir-rijal):** This protects you from the oppression, demands, or undue influence of others, especially those to whom you may owe money or who might exploit your vulnerability. Ultimately, it is a comprehensive plea for holistic well-being, both material and spiritual, recognizing that true strength and relief come only from Allah.
Source & Authentication
The Messenger of Allah ﷺ entered the mosque one day and saw a man from the Ansar named Abu Umamah (may Allah be pleased with him). He said, 'O Abu Umamah, why do I see you sitting in the mosque when it is not the time of prayer?' He replied, 'Worries and debts have overtaken me, O Messenger of Allah.' He said, 'Shall I not teach you some words which, if you say them, Allah will remove your worries and settle your debts?' He said, 'Yes, O Messenger of Allah.' He said, 'Say in the morning and evening: > **Arabic:** اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ > > **Translation:** "O Allah, I seek refuge in You from worry and grief, from helplessness and laziness, from cowardice and miserliness, and from the burden of debt and from being overpowered by men." > > **Transliteration:** *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.* Abu Umamah said, "I did that, and Allah removed my worries and settled my debts." — Sunan Abi Dawud 1555