اَللّٰهُمَّ إِنِّيْٓ اَعُوْذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَاَعُوْذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَاَعُوْذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَاَعُوْذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهَرِ 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 being overwhelmed by debt and from 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 ghalabatid-dayni wa qahrir-rijal.
When to Read
This dua is incredibly comprehensive, seeking refuge from a range of afflictions. While it can be recited at any time, it's particularly beneficial to make it a habit upon waking, after prayers, or whenever you feel a sense of worry about your circumstances. The Prophet ﷺ taught this to his Companion Abu Bakr (may Allah be pleased with him) to recite daily, highlighting its importance for ongoing protection.
How to Read
Recite this dua with sincere conviction, focusing on the meaning of each phrase. Raise your hands as you make the supplication, especially when seeking refuge from significant matters like debt and oppression. Understand that this is not just a magical chant, but a supplication to the One who controls all affairs. Trust in Allah's plan while also taking practical steps to manage your finances responsibly.
Virtues & Benefits
This powerful dua offers protection against crippling emotional states (distress and sorrow), debilitating personal failings (incapacity and laziness), and destructive character traits (cowardice and stinginess). Crucially, it directly addresses the burden of debt ('overwhelmed by debt') and the humiliation that can come from being under the power of others ('subjugation of men'). By reciting this, we are seeking Allah's shield against both internal struggles and external pressures that can lead to hardship.
Source & Authentication
Narrated Abu Bakr: I said, 'O Messenger of Allah, teach me words to say in the morning and evening.' He said, 'O Allah, Creator of the heavens and the earth, Knower of the unseen and the seen, Lord of all and its King, I testify that there is no god but You. I seek refuge in You from the evil of myself, and from the evil of Satan and his associates, and from bringing evil upon myself or casting it to any Muslim.' He said, 'Say it in the morning and in the evening and when you go to bed.' (Another narration: The Prophet ﷺ said to Abu Bakr, 'Should I not teach you some words which you may say in the morning and evening?' Then he taught him: 'O Allah! Knower of the hidden and the open, Originator of the heavens and the earth, Lord of everything and its Possessor, I bear witness that there is no god but You. I seek refuge in You from the evil of my soul and from the evil of Satan and his idols, and from bringing evil upon myself or upon any Muslim.' Abu Bakr added: 'Allah's Messenger commanded me to recite these words in the morning and evening and when I go to bed.' In another narration: The Prophet ﷺ said to Abu Bakr: 'You should say every morning and evening: O Allah, Originator of the heavens and the earth, Knower of the hidden and the obvious, my Lord and the Lord of everything, I bear witness that there is no deity worthy of worship except You. I seek refuge in You from the evil of my soul, and from the evil of Satan and his allies, and from my accumulating evil deeds or deeds that I may commit against any Muslim.' Abu Bakr asked: 'O Messenger of Allah, what should I say?' He said, 'Say: 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 being overwhelmed by debt and from the subjugation of men.' Abu Bakr said: 'I have said these words, and Allah has taken away my debt and the excess of (my worries).'