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 grief, 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 being overcome by debt and from the domination 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 ghalabatid-dayni wa qahrir-rijal.
When to Read
This is a powerful dua that the Prophet Muhammad ﷺ would often recite, especially when facing worries. Recite it when you feel overwhelmed by financial burdens, anxiety about debts, or any situation where you feel under pressure. Make it a regular part of your supplications, particularly after your obligatory prayers.
How to Read
Recite this dua with sincere intention and a firm belief in Allah's power to relieve your distress. Raise your hands in supplication, just as you would for any other dua. It's best to say it with conviction, focusing on the meaning and your reliance on Allah. Making it a habit, especially in the times when duas are more likely to be accepted (like after prayers, during sujood, and in the last third of the night), can be very beneficial.
Virtues & Benefits
This specific dua offers comprehensive protection by seeking refuge in Allah from several significant distressors. By including 'ghalabatid-dayn' (being overcome by debt), it directly addresses the crushing weight of financial obligations. Seeking refuge from 'qahrir-rijal' (the domination of men) can also relate to situations where one is pressured or mistreated due to financial circumstances. The Prophet's ﷺ habit of reciting this shows its importance in seeking Allah's help during difficult times, not just for debt but for general worry and hardship.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from the overpowering of debt and the subjugation of men." (Sahih al-Bukhari 6369)