اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنْ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنْ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from worry 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 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
This powerful supplication is recommended to be recited in the evening, after the Maghrib prayer, as part of our daily remembrance of Allah (dhikr). It’s a way to actively seek His protection and assistance as the day ends and we prepare for the night. Reciting it consistently can bring peace of mind and a sense of relying on Allah's divine plan for our financial matters and overall well-being.
How to Read
Recite this dua sincerely with full conviction, directing your heart and mind towards Allah. Understand the meaning of each phrase and reflect on your need for His help. It is best recited after the obligatory prayers, especially in the evening, but can also be made at any time you feel the need for Allah's protection from these specific afflictions.
Virtues & Benefits
This dua directly addresses seeking Allah's refuge from significant burdens. By seeking protection from 'being overcome by debt' and 'the subjugation of men,' we acknowledge that financial struggles can lead to immense hardship and even public humiliation. This supplication is a comprehensive shield against anxieties and pressures that can arise from debt, reminding us that ultimate relief and strength come only from Allah. The Prophet Muhammad ﷺ himself used to seek refuge in Allah from these very things, indicating their seriousness and the importance of this dua.
Source & Authentication
The Prophet Muhammad ﷺ used to say: اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنْ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنْ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ (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.) Which means: O Allah, I seek refuge in You from worry 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 the subjugation of men. Sahih al-Bukhari 4423.