اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Allahumma inni a'udhu bika minal-hammi wal-hazan, wal-'ajzi wal-kasal, wal-bukhli wal-jubn, wa dhala'id-dayni wa ghalabatir-rijal
O Allah, I seek refuge in You from anxiety and grief, from incapacity and laziness, from miserliness and cowardice, and from being overwhelmed by debt and overpowered by men.
Count this dhikr daily in Dhikr Garden — every recitation waters a tree in your garden.