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 grief and sadness, 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 ghalabad-dayni wa qahrir-rijal.
When to Read
This powerful dua is recommended to be recited regularly, especially when facing worries about finances, the threat of debt, or feeling overwhelmed by life's burdens. The Prophet Muhammad ﷺ would often say this dua, indicating its importance for seeking Allah's protection in all aspects of life, including financial well-being.
How to Read
Recite this dua with sincerity and conviction, raising your hands if possible. Understand the meaning of each phrase and focus on seeking Allah's refuge. It is best to say it in the morning and evening, as this is when the Prophet ﷺ often sought refuge in Allah. Ensure you are in a state of purity.
Virtues & Benefits
This dua encompasses a comprehensive seeking of refuge from various troubles, both internal and external. By specifically seeking protection from 'the burden of debt and the overpowering of men' (غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ), we acknowledge Allah's power over all matters and ask for His intervention against financial ruin and oppression. This helps in fostering a sense of reliance on Allah and reduces anxiety related to debt.
Source & Authentication
Narrated Anas bin Malik: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and miserliness, and I seek refuge in You from the dominion of debt and the subjugation of men." (Sahih al-Bukhari 6369)