اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الهَمِّ وَالحَزَنِ، وَالعَجْزِ وَالكَسَلِ، وَالبُخْلِ وَالجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ

Allāhumma innī aʿūdhu bika mina al-hammi wa al-ḥazan, wa al-ʿajzi wa al-kasal, wa al-bukhli wa al-jubn, wa ḍalaʿi al-dayn, wa ghalabati al-rijāl.

O Allah, I seek refuge in You from anxiety and sorrow, incapacity and laziness, miserliness and cowardice, the burden of debt, and being overpowered by people.