Allaahuma ini a'uthu bika min al-hami wal-hazan, wa a'uthu bika min al-`ajz wal kasal, wa a'uthu bika min al-jubni wal-bukhl, wa a'uthu bika min ghalabati-ddayni wa qahri-rrijal.

O Allah! I seek refuge in You from sorrow and sadness, and I seek refuge in You from unableness and laziness, and I seek refuge in You from cowardice and miserliness, and I seek refuge in You from the harshness of debt and the overpower of men.