اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الهَمِّ وَ الْحَـزَنِ، والعَجْـزِ والكَسَلِ، والبُخْلِ والجُبْنِ، وضَلَعِ الدَّيْنِ وغَلَبَةِ الرِّجَالِ

O Allāh, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being overpowered by men.

Reference: O Allāh, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being overpowered by men. Al-Bukhārī (#6363, 7/158), see _Fatḥ al-Bārī_ (11/173).