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 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 مِنْ فَضْلِكَ وَرَحْمَتِكَ فَإِنَّهُ لَا يَمْلِكُهَا إِلَّا أَنْتَ
O Allah, I ask You for Your bounty and mercy, for none possesses them except You.
Hasanاللَّهُمَّ بَارِكْ لِي فِي كَسْبِي وَبَارِكْ لِي فِيمَا رَزَقْتَنِي وَاجْعَلْ غِنَايَ فِي نَفْسِي وَاجْمَعْ لِي بَيْنَ الْحِرْصِ عَلَى الْآخِرَةِ وَالْغِنَى عَنِ النَّاسِ
O Allah, bless me in my earnings, bless me in what You have provided me, make my richness within my soul, and combine for me the pursuit of the Hereafter with independence from people.
Hasanاللَّهُمَّ إِنِّي أَسْأَلُكَ خَيْرَ الْمَسْأَلَةِ وَخَيْرَ الدُّعَاءِ وَخَيْرَ النَّجَاحِ وَخَيْرَ الْعَمَلِ وَخَيْرَ الثَّوَابِ وَخَيْرَ الْحَيَاةِ وَخَيْرَ الْمَمَاتِ
O Allah, I ask You for the best of requests, the best of supplications, the best of success, the best of deeds, the best of reward, the best of life, and the best of death.
Hasan