اللَّهُمَّ إِنِّي أَعُوْذُ بِكَ مِنَ الهَمِّ وَالحُزْنِ، وَالعَجْزِ وَالكَسَلِ وَالبُخْلِ وَالجُبْنِ، وَضَلْعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
‘O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.’
Source: Hisnul Muslim