Pronunciation: Allahumma inni a’oo-zu bika mi-nal-ham-mi wal-hazan, wal-ajzi wal-kasal, wal-jubni wal-bukhli, wa da-la‛id-dai-ni, wa gha-la-ba-tir-ri-jaal.
Meaning: 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.
Reference: Sahih al-Bukhari 6369