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 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 heavy 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-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahri ar-rijali.
When to Read
Recite this dua when the anxieties about your future, perhaps related to retirement or its perceived challenges, begin to weigh on your mind. If thoughts of financial insecurity, loneliness, or declining health cast a shadow over your hopes for a peaceful retirement, turn to this supplication.
How to Read
Recite this dua with sincerity and conviction, ideally after each obligatory prayer or during times when you feel overwhelmed by sadness or worry. Raise your hands in supplication, as is the Sunnah, and focus on the meaning of each phrase, seeking Allah's protection from these specific afflictions.
Virtues & Benefits
This comprehensive dua is a powerful shield against some of the most debilitating emotional and practical concerns. By seeking refuge in Allah from worry (hamm) and grief (hazan), you actively combat feelings of sadness and despair. Protection from incapability ('ajz) and laziness (kasal) helps maintain your drive and ability to manage affairs. Seeking refuge from cowardice (jubn) and stinginess (bukhl) fosters courage and generosity, vital for navigating life's challenges. Finally, seeking refuge from overwhelming debt (ghalabat ad-dayn) and the overpowering of men (qahr ar-rijal) addresses significant worldly concerns that can cause immense stress, ensuring your peace of mind.
Source & Authentication
Narrated Abu Huraira: 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 overpowering burden of debt and the overpowering of men.'