اللّهُـمَّ إِنِّي أَعْوذُ بِكَ مِنَ الهَـمِّ وَ الْحُـزْنِ، والعًجْـزِ والكَسَلِ والبُخْـلِ والجُـبْنِ، وضَلْـعِ الـدَّيْنِ وغَلَبَـةِ الرِّجال
Allaahumma innee a oothu bika minal-hammi walhazani, wal ajzi walkasali, walbukhli waljubni, wa dhala id-dayni wa ghalabatir-rijaal
O Allah, I seek refuge in you from grief and sadness, from weakness and from laziness, from miserliness and from cowardice, from being overcome by debt and overpowered by men (i .e . others).
Al-Bukhari: 2893, 5425, 6363, 6369