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 distress and sorrow, 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 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 powerful dua is perfect for reciting when you feel overwhelmed by worries, anxieties, or the prospect of being trapped in a difficult situation. It's particularly relevant when facing financial hardship (debt), or feeling powerless against circumstances or people. Make it a habit to recite it in the morning and evening, or at any moment you feel the weight of these burdens.
How to Read
Recite this dua with sincerity and conviction, visualizing yourself entrusting all your fears and burdens to Allah. Raise your hands as you recite it, a sign of seeking help from your Lord. It is recommended to say it after the obligatory prayers, or at any time you feel the need for Allah's protection and relief.
Virtues & Benefits
This comprehensive supplication, taught by the Prophet Muhammad ﷺ himself, seeks Allah's refuge from four key areas of distress: emotional turmoil (distress and sorrow), weakness of will (helplessness and laziness), character flaws (cowardice and stinginess), and overwhelming external pressures (debt and being overpowered). By reciting it, we acknowledge our limitations and place our complete reliance on Allah, the only one who can truly alleviate our fears and protect us from hardship.
Source & Authentication
The Prophet Muhammad ﷺ used to supplicate: '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.' (O Allah, I seek refuge in You from distress and sorrow, 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 overpowered by men.) Sahih al-Bukhari 4423.