اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Allahumma inni a'udhu bika minal-hammi wal-hazan, wal-'ajzi wal-kasal, wal-bukhli wal-jubn, wa dala'id-dayni wa ghalabatir-rijal.
O Allah, I seek refuge in You from worry and grief, from helplessness and laziness, from miserliness and cowardice, from the burden of debt and from being overpowered by others.
Bukhari 6369