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 weakness and laziness, from miserliness and cowardice, from the burden of debt, and from being overpowered by men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wal-'ajzi wal-kasali, wal-bukhli wal-jubni, wa dala'id-dayni wa ghalabatir-rijal.
When to Read
This comprehensive dua is a beautiful plea to Allah for protection from a wide range of difficulties that can burden the heart and mind. You should make this dua whenever you feel overwhelmed, especially when facing financial strain or the emotional and physical demands of caregiving. If you’ve incurred debt while fulfilling the noble duty of looking after a sick parent, an elderly relative, or a loved one with special needs, this dua is particularly relevant. Recite it often, particularly in the mornings and evenings, as part of your daily adhkar. Turn to Allah with this heartfelt supplication when you feel the weight of debt, the exhaustion that comes with tireless care (weakness and laziness), the worries about providing (miserliness), or the fear of external pressures from creditors (being overpowered by men). It’s a powerful recourse against any form of hardship, seeking refuge in Allah from its physical, emotional, and financial manifestations.
How to Read
When you make this dua, do so with **sincerity and profound conviction**, recognizing that Allah alone has the power to remove your burdens and provide relief. Face the Qibla if you can, or simply raise your hands in supplication wherever you are, opening your heart to your Creator. Take a moment to reflect on the meaning of each phrase: acknowledge your anxieties, your weaknesses, your financial worries, and then consciously seek refuge in Allah from them. Repeat it frequently, especially after your obligatory prayers, during your prostrations (sujood), and in the quiet solitude of the last third of the night, when duas are particularly potent. While making dua, remember to also take practical steps within your means—seek lawful income, manage your finances diligently, and consult trusted individuals for advice. Our effort is essential, but ultimate reliance is on Allah.
Virtues & Benefits
This profound dua was a consistent supplication of our beloved Prophet Muhammad ﷺ, narrated by Anas ibn Malik (may Allah be pleased with him) in Sahih al-Bukhari. Its regular recitation offers immense benefits and comprehensive protection: * **Relief from Debt:** The Prophet ﷺ specifically sought refuge from "the burden of debt" (*dala'id-dayn*). This makes it a direct and potent prayer for financial difficulties, especially pertinent if your debt stems from selfless acts like caring for family members, which Allah rewards generously. * **Emotional and Mental Well-being:** It addresses the deep-seated burdens of "anxiety and sorrow" (*al-hamm wal-hazan*), which often accompany financial stress and the challenges of caregiving. Reciting it cultivates peace and tranquility in the heart, knowing Allah is your ultimate refuge. * **Strength Against Weakness and Laziness:** Caring for others can be physically and emotionally draining, leading to feelings of exhaustion. This dua helps combat "weakness and laziness" (*al-'ajzi wal-kasali*), renewing your spirit and giving you strength from Allah to continue your noble duties. * **Cultivating Courage and Generosity:** Seeking refuge from "miserliness and cowardice" (*al-bukhli wal-jubni*) helps in fostering a more generous and brave heart. It empowers you to face financial challenges with fortitude and overcome the fear of scarcity. * **Protection from External Pressures:** The plea "from being overpowered by men" (*wa ghalabatir-rijal*) encompasses protection from creditors, oppressive authorities, or any human power that might try to overwhelm you. It reinforces that Allah is your ultimate Protector and Sovereign. By regularly making this dua, you are embodying **tawakkul (trust in Allah)** and seeking refuge in His perfect attributes from all forms of hardship, both internal and external. It’s a powerful reminder that while you strive in your worldly responsibilities, ultimate ease, relief, and strength come solely from your Lord.
Source & Authentication
Narrated Anas bin Malik (may Allah be pleased with him): The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from anxiety and sorrow, from weakness and laziness, from miserliness and cowardice, from the burden of debt and from being overpowered by men." **Arabic:** حَدَّثَنَا مُحَمَّدُ بْنُ الْمُثَنَّى، قَالَ حَدَّثَنَا عَبْدُ الْوَهَّابِ الثَّقَفِيُّ، قَالَ حَدَّثَنَا خَالِدٌ الْحَذَّاءُ، عَنْ أَنَسِ بْنِ مَالِكٍ ـ رضى الله عنه ـ قَالَ كَانَ النَّبِيُّ صلى الله عليه وسلم يَقُولُ " اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَالْعَجْزِ وَالْكَسَلِ وَالْبُخْلِ وَالْجُبْنِ وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ ". — Sahih al-Bukhari 6369