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 incapacity 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-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-buhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This dua is incredibly comprehensive and can be recited at any time, especially when you feel the weight of financial worries pressing down on you. Recite it when sadness overwhelms you due to debt, lack of provision, or the general stress of trying to make ends meet. It's a powerful supplication to turn to during moments of deep worry and despair.
How to Read
Recite this dua with sincerity and conviction, lifting your hands as you do so, as is the etiquette for supplication. Truly feel the need for Allah's help. Understand that while we seek refuge from the *effects* of financial hardship (grief, debt, subjugation), the ultimate solution lies with Allah. This dua acknowledges our weakness and reliance on Him. Make it a regular habit, not just a one-off recitation.
Virtues & Benefits
This profound dua, taught by the Prophet Muhammad ﷺ, offers immense spiritual and psychological relief. It directly addresses the feelings of sadness (hazan) and worry (hamm) that often accompany financial difficulties. By seeking refuge in Allah from incapacity and laziness, we ask for the strength and motivation to take practical steps towards improving our situation. The plea against cowardice and stinginess highlights the importance of courage in facing challenges and generosity in what we have. Most directly, seeking refuge from the 'overwhelming of debt' and 'subjugation of men' is a direct appeal for protection against the most crushing aspects of financial hardship. It reminds us that true strength and freedom come from Allah alone.
Source & Authentication
Narrated Anas: 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 stinginess, and I seek refuge in You from the overwhelming of debt and the subjugation of men."