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 incapacity and laziness. I seek refuge in You from cowardice and stinginess. 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali
When to Read
This powerful dua is recommended to be recited before sleeping, as part of your evening routine. It's a moment when the day's worries might feel most pressing, and seeking Allah's protection before resting can bring immense peace of mind. Making it a habit before sleep, especially when burdened by debt, allows you to entrust your worries to Allah as you drift off.
How to Read
Recite this dua with sincere intention and conviction, lifting your hands in supplication as you would for any other dua. Focus on the meaning of each phrase, truly seeking Allah's refuge from these specific afflictions. It's a personal conversation with your Creator, so speak from the heart, with humility and reliance on Him alone.
Virtues & Benefits
This specific supplication addresses two critical areas: financial burden and emotional distress. By seeking refuge from 'ghalabatid-dayn' (the overwhelming of debt), you are directly asking Allah for a way out and for relief from its crushing weight. The inclusion of 'qahrir-rijal' (subjugation of men) often goes hand-in-hand with debt, as financial struggles can lead to difficult interactions and feeling controlled. This dua encompasses seeking protection from the anxiety (hamm) and sorrow (hazan) that often accompany debt, as well as the weakness (ajz) and lethargy (kasal) that can prevent one from seeking solutions. It also covers the lack of courage (jubn) to face the challenge and the stinginess (buhl) that might hinder seeking help or spending wisely. Reciting this before sleep can bring tranquility, reminding you that you have placed your trust in Allah, the ultimate provider and protector.
Source & Authentication
Narrated Abu Hurairah: The Prophet ﷺ used to say: '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.' (O Allah, I seek refuge in You from anxiety and sorrow. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and stinginess. I seek refuge in You from the overwhelming of debt and the subjugation of men.)