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 helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the overpowering 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 dua is recommended to be recited in the morning, after Fajr prayer. It's part of the Prophet Muhammad's ﷺ daily supplications, seeking Allah's protection against various afflictions, including the heavy burden of debt and the humiliation that can come with it. Making this a habit each morning sets a positive and protected tone for the day.
How to Read
Recite this dua sincerely with full conviction, directing your plea to Allah alone. Understand the meaning of each phrase you utter. Raising your hands slightly during the supplication is also part of the etiquette of dua, though not strictly necessary for this specific hadith. Ensure you are in a state of purity if possible, as is customary for supplications.
Virtues & Benefits
This powerful dua directly asks Allah for protection from: - **Worry and Grief:** The mental and emotional toll of financial difficulties can be immense. Seeking refuge in Allah alleviates these burdens. - **Helplessness and Laziness:** Financial hardship can lead to feelings of powerlessness and a lack of motivation. This dua asks for strength to overcome obstacles. - **Cowardice and Stinginess:** These traits can hinder one's ability to manage finances effectively and seek help when needed. - **Burden of Debt:** This is a direct plea for Allah to shield us from falling into debt that overwhelms us. - **Overpowering of Men:** This encompasses being subjected to the undue control or exploitation by others, often a consequence of financial vulnerability.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, helplessness and laziness, cowardice and miserliness, and the overpowering burden of debt and subjugation by men." (Sahih al-Bukhari 5893)