Allaahumma ‘innee ‘a’oothu bika minal-hammi walhazani, wal’ajzi walkasali, walbukhli waljubni, wa dhala’id-dayni wa ghalabatir-rijaal .

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) .

[Al-Bukhari 7/158. See also Al-Asqalani, Fathul-Bari 11/173]