Allahumma inni 'a'udhubika minal hammi walhuzni, Wal'ajzi walkasali, walbukhli waljubni, Wa dal'id-daiyni wa ghalabatir-rajal

Ay Allah, main aap se panaah chahta hoon fikr aur gham se aur aap ki panaah chahta hoon natwaani aur kaahili se aur aap ki panaah chahta hoon buzdili aur bakhl se aur aap ki panaah mein aana  chahta hoon qarz ke ghalbe aur logon ke dabaaw se
(Bukhri)

‘O Allaah, 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.’

Sahih al-Bukhari, 7/158