اللَّهُمَّ إنِّي أعُوذُ بِكَ مِنَ الْهَمِّ وَ الْحَزَنِ وَ الْعَجْزِ وَ الْكَسَلِ وَ الْبُخْلِ
وَ الْجُبْنِ وَ ضَلَعِ الدِّيْنِ وَ غَلَبَةِ الرِّجَالِ
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).