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 anxiety and grief, weakness and laziness, cowardice and stinginess, being overpowered by debt and the oppression of men.