اَللَّهُمَّ 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 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 ghalabatid-dayni wa qahrir-rijali.
When to Read
This is a powerful comprehensive dua that the Prophet Muhammad ﷺ used to recite frequently, particularly after prayers. It's a good habit to make it a part of your daily supplications, especially when you feel worried about your sustenance, your ability to earn, or if you're facing financial difficulties or pressures that might threaten your livelihood.
How to Read
Recite this dua with sincerity and conviction, understanding the meaning of each phrase. Raise your hands as you would in any other dua. Focus on the protection you are seeking from Allah. Making it a regular habit, perhaps after your obligatory prayers (Salat), can bring immense peace of mind and spiritual strength.
Virtues & Benefits
This dua specifically asks for protection against several debilitating issues that can directly impact one's livelihood and mental well-being. Seeking refuge from 'helplessness and laziness' is crucial for maintaining the drive and effort needed for provision. Protection from 'cowardice and stinginess' helps in taking necessary steps for earning and in sharing what Allah has provided. Most importantly, seeking refuge from 'overwhelming debt and overpowering of men' directly addresses fears related to financial ruin and external pressures that could lead to loss of resources.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah! I seek refuge with You from worry and grief, I seek refuge with You from incapacity and laziness, I seek refuge with You from cowardice and miserliness, and I seek refuge with You from the heavy load of debt and from being overcome by men."