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 incapacity and laziness, I seek refuge in You from cowardice and stinginess, and 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 ghalabad-dayni wa qahri-rijal.
When to Read
This dua is particularly powerful when recited in the morning, after Fajr prayer. It sets a tone of reliance on Allah and preparedness for whatever the day may bring, including its inevitable challenges. Make it a consistent part of your morning remembrance (adhkar) to build inner strength.
How to Read
Recite this dua sincerely with full conviction in Allah's protection. Understand the meaning of each phrase you are uttering. Focus on seeking Allah's help to overcome these specific afflictions and the general difficulties life presents.
Virtues & Benefits
By seeking refuge in Allah from these negative states, we are actively choosing a path of resilience. This dua helps shield us from the despair of distress and sorrow, the paralysis of incapacity and laziness, the fear of cowardice, and the burden of debt and humiliation. It cultivates inner peace and a positive outlook, enabling us to face difficulties with grace, knowing that our ultimate strength comes from Allah.
Source & Authentication
The Prophet Muhammad (peace be upon him) used to teach his companions to say these words as a protection in the morning and evening. Narrated by Anas (may Allah be pleased with him).