اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحُزْنِ وَالْعَجْزِ وَالْكَسَلِ وَالْبُخْلِ وَالْجُبْنِ وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ Allahumma inni a’udhu bika minal-hammi wal-Ḥuzni wal-’ajazi wal-kasli wal-bukhli wal-jubni wa ḍala’id-dayni wa ghalabatir-rijal. “O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being overpowered by men.” (Al-Bukhari)