اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَالْعَجْزِ وَالْكَسَلِ وَالْجُبْنِ وَالْبُخْلِ وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
O Allah, I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from being heavily in debt and from being overpowered by (other) men.
Allahumma inni a'udhu bika minal-hammi wal-Hazan, wal-'ajzi wal-kasal, wal-jubni wal-bukhl, wa dala'id-dayni wa ghalabatir-rijal.
When to Read
This comprehensive dua is profoundly beneficial for any believer facing life's myriad challenges. The Prophet ﷺ himself used to recite it regularly, signifying its importance for daily well-being. You should turn to this dua particularly when you feel overwhelmed by anxiety, sadness, helplessness, or lethargy. It's also apt when burdened by financial struggles or the pressures of others. Make it a part of your daily morning and evening adhkar, or recite it whenever you feel your inner strength faltering and need divine support to remain steadfast and patient through trials.
How to Read
Recite this dua with a sincere heart, understanding the depth of what you are asking from Allah. Acknowledge your own weaknesses and limitations, and place your absolute trust (tawakkul) in Allah's power to grant you refuge and strength. As you say each part, reflect on how it applies to your current state or potential future challenges. For example, when saying 'from incapacity and laziness,' think about areas where you struggle to act or persevere, and ask Allah to empower you.
Virtues & Benefits
This powerful prophetic supplication offers refuge from a wide range of human vulnerabilities that hinder resilience and patience during hardship. By seeking protection from 'worry and grief' (al-hamm wal-hazan), you are asking Allah for tranquility and inner peace. Seeking refuge from 'incapacity and laziness' (al-'ajz wal-kasal) helps cultivate determination and productivity, essential for navigating difficulties. Asking for protection from 'cowardice and miserliness' (al-jubn wal-bukhl) fosters courage and generosity, virtues that strengthen one's character. Finally, seeking refuge from being 'heavily in debt and overpowered by men' addresses common external pressures, asking Allah for financial ease and protection from oppression. Regularly reciting this dua cultivates a deep sense of reliance on Allah, providing strength, peace, and resilience in the face of all trials, as Allah is the ultimate source of all aid and protection.
Source & Authentication
Anas ibn Malik (may Allah be pleased with him) reported that the Messenger of Allah ﷺ used to say: 'O Allah, I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from being heavily in debt and from being overpowered by (other) men.'