اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْجُبْنِ وَالْبُخْلِ، وَغَلَبَةِ الدَّيْنِ، وَقَهْرِ الرِّجَالِ.

Allāhumma innī aʿūdhu bika min al-hammi wa al-ḥazan, wa al-ʿajzi wa al-kasal, wa al-jubni wa al-bukhl, wa ghalabati al-dayn, wa qahri al-rijāl

O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from the burden of debt and the oppression of men.