Allāhumma innī aʿūdhu bika min al-hammi wal-ḥazan, wal-ʿajzi wal-kasal, wal-bukhli wal-jubn, wa ḍalaʿi ad-dayni wa ghalabati ar-rijāl
O Allah, I seek refuge in You from worry and grief, from weakness and laziness, from miserliness and cowardice, from the burden of debt and from being overpowered by others.