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 worry and grief. I seek refuge in You from inability and laziness. I seek refuge in You from cowardice and stinginess. I seek refuge in You from the overwhelming burden of debt and 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahri ar-rijali.
When to Read
This is a comprehensive supplication that can be recited at any time, especially when feeling anxious about financial burdens, facing difficult life situations, or as part of your regular supplications after prayers. Reciting it diligently can help in seeking Allah's protection and solace from the anxieties associated with overwhelming debt and the feeling of being dominated by others due to financial hardship.
How to Read
Recite this dua with sincerity and conviction, raising your hands in supplication as was the practice of the Prophet Muhammad ﷺ. Focus on the meaning of each phrase, internalizing the plea for Allah's protection. It's recommended to say this dua regularly, making it a habit.
Virtues & Benefits
This dua protects you from significant emotional and psychological distress (worry and grief), lack of motivation and productivity (inability and laziness), and character flaws (cowardice and stinginess). Most importantly for this topic, it specifically shields you from the crushing weight of debt and the humiliation of being overpowered by people, which can often stem from financial difficulties. It's a powerful shield against anxieties that can plague the mind and spirit.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, 'O Allah, I seek refuge in You from worry and grief, from inability and laziness, from cowardice and miserliness, from the heavy burden of debt and from being overcome by men.' (He used to say this to all his companions.)