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 helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overwhelming of debt and 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 ghalabad-dayni wa qahrir-rijali.
When to Read
This is a powerful dua to recite regularly, especially during times of stress or when facing potential financial difficulties. Making it a part of your morning and evening supplications, or reciting it whenever you feel a sense of worry or pressure, can offer significant comfort and divine protection.
How to Read
Recite this dua with sincerity and conviction, focusing on the meaning of each phrase. Raising your hands slightly, as the Prophet Muhammad ﷺ used to do when making supplication, can enhance the connection. It's best to recite it with a clear mind and a hopeful heart, knowing that Allah (SWT) is the ultimate source of relief and protection.
Virtues & Benefits
This comprehensive dua directly addresses two major sources of human suffering: emotional distress (anxiety and sorrow) and practical struggles (helplessness, laziness, fear, stinginess, debt, and oppression). By seeking refuge in Allah from these afflictions, we acknowledge His power over all matters and seek His assistance in navigating life's challenges. The specific mention of 'ghalabad-dayn' (overwhelming debt) and 'qahrir-rijal' (subjugation of men) highlights its particular efficacy in seeking protection from these heavy burdens.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, '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-rijali.' (Sahih al-Bukhari 5903)