اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْكَسَلِ وَالْهَرَمِ وَالْمَأْثَمِ وَالْمَغْرَمِ
Allahumma inni a'udhu bika minal-kasali wal-harami wal-ma'thami wal-maghrami
O Allah, I seek refuge in You from laziness, senility, sin, and debt.
Four enemies of productivity and provision: laziness (the killer of ambition), old age that takes your faculties (loss of capacity), sin (which blocks barakah), and debt (which enslaves you to other humans). Aisha (RA) asked: "Why do you so frequently seek refuge from debt?" He said: "When a person is in debt, he speaks and lies, makes promises and breaks them." Debt corrupts your character.
Related Du'as
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْفَقْرِ وَالْقِلَّةِ وَالذِّلَّةِ وَأَعُوذُ بِكَ مِنْ أَنْ أَظْلِمَ أَوْ أُظْلَمَ
O Allah, I seek refuge in You from poverty, scarcity, and humiliation, and I seek refuge in You from wronging others or being wronged.
Sahihرَبِّ إِنِّي لِمَا أَنْزَلْتَ إِلَيَّ مِنْ خَيْرٍ فَقِيرٌ
My Lord, indeed I am, for whatever good You would send down to me, in need.
Sahihاللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with what is lawful instead of what is unlawful, and enrich me by Your bounty so I need none besides You.
Hasanاللَّهُمَّ إِنِّي أَسْأَلُكَ رِزْقًا طَيِّبًا وَعِلْمًا نَافِعًا وَعَمَلًا مُتَقَبَّلًا
O Allah, I ask You for good provision, beneficial knowledge, and accepted deeds.
Sahih