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 anxiety 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 overcome by debt and subjugated 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 ghalabad-dayni wa qahrir-rijal.
When to Read
This is a comprehensive supplication that can be recited daily, especially after the obligatory prayers. It's particularly beneficial when you feel the weight of financial worries or anticipate potential hardships. Making it a regular habit can instill a sense of reliance on Allah and seek His protection proactively.
How to Read
Recite this dua with sincere intention and conviction, raising your hands as you do so, a practice often observed when seeking Allah's help. Understand the meaning of each phrase you utter, focusing on the protection Allah offers from these specific afflictions. Repeating it consistently, especially in the morning and evening, can be a powerful way to invoke Allah's safeguarding.
Virtues & Benefits
This beautiful dua, taught by the Prophet Muhammad ﷺ himself, covers a wide spectrum of worries, including emotional distress (anxiety and sorrow), personal failings (incapacity and laziness), character flaws (cowardice and stinginess), and external pressures like overwhelming debt and the mistreatment by others. By seeking refuge in Allah from these, we acknowledge His ultimate power and our need for His assistance in navigating life's challenges. It's a profound statement of tawakkul (reliance on Allah) while actively seeking His protection.
Source & Authentication
The Prophet Muhammad ﷺ used to seek refuge in Allah from these things. **Arabic:** اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ. **Translation:** O Allah, I seek refuge in You from anxiety 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 overcome by debt and subjugated by men. — Sahih al-Bukhari 6369