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 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 supplication is recommended to be recited immediately upon waking up in the morning. It sets a positive tone for the day, seeking Allah's protection against common spiritual and practical ailments that can hinder our productivity and well-being. Making it part of your morning routine, perhaps after the Fajr prayer or upon opening your eyes, helps you start your day with a reliance on Allah.
How to Read
Recite this dua with sincerity and conviction, raising your hands slightly as a sign of seeking help from Allah. Focus on the meaning of each phrase, truly internalizing the plea for protection from these negative states. It's best recited when you are awake, clear-headed, and ready to face the day with Allah's help.
Virtues & Benefits
Reciting this dua offers comprehensive protection. It shields you from mental anguish (distress and grief), physical and spiritual inertia (helplessness and laziness), and character flaws (cowardice and stinginess). By seeking refuge from debt and being overpowered, you are also asking for financial stability and the strength to overcome life's challenges. It's a proactive step towards a more productive, resilient, and virtuous day.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from distress and grief, helplessness and laziness, cowardice and stinginess, and the overwhelming of debt and the subjugation of men." Sahih al-Bukhari 6369.