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 grief, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and from being overcome 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-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is recommended to be recited in the morning after Fajr prayer. It's a beautiful way to start your day by seeking Allah's protection against debilitating emotional states and practical burdens, setting a resilient tone for whatever challenges may arise.
How to Read
Recite this dua with sincerity and conviction, focusing on the meaning of each phrase. Raise your hands slightly, as if earnestly asking for help. Imagine Allah's protection encompassing you as you utter these words. It's best recited before the sun has fully risen, marking the beginning of your day under Allah's care.
Virtues & Benefits
This comprehensive supplication shields you from internal struggles like worry and sadness, and external ones like inability and laziness. It also protects against fear and miserliness, which can hinder one's progress and generosity. By seeking refuge from overwhelming debt and the oppression of others, you ask Allah for ease in your financial and social life. Reciting this in the morning helps fortify your heart against despair and equips you with a sense of reliance on Allah for facing the day's trials.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah! I seek refuge in You from worry and sorrow, incapacity and laziness, cowardice and miserliness, the heavy burden of debt and the overpowering of men." Sahih al-Bukhari 6369.