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

allahumma inni aʾūdhu bika mina l-hammi wa l-hazan, wa l-ʾajzi wa l-kasal, wa l-bukhl, wa l-jubn, wa ḍalaʾi d-dayn, wa ghalabati r-rijal

O Allah, I seek refuge in you from grief and sadness, from incapacity and from laziness, from miserliness and from cowardice, from being overcome by debt and overpowered by men (i .e . others).

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