اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Allāhumma innī a`ūdhu bika mina ‘l-ḥammi wa ‘l-ḥazan, wa ‘l-`ajzi wa ‘l-kasal, wa ‘l-bukhli wa ‘l-jubn, wa ḍala`id-dayni wa ghalabatir-rijāl.
O Allah! I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from being heavily in debt and from being overpowered by (other) men.
Al-Bukhari 7/158.