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
رَبِّ أَدْخِلْنِي مُدْخَلَ صِدْقٍ وَأَخْرِجْنِي مُخْرَجَ صِدْقٍ وَاجْعَل لِّي مِن لَّدُنكَ سُلْطَانًا نَّصِيرًا
My Lord, cause me to enter a truthful entrance and cause me to exit a truthful exit, and grant me from Yourself a supporting authority.
Sahihاللَّهُمَّ إِنِّي أَسْأَلُكَ الْهُدَى وَالتُّقَى وَالْعَفَافَ وَالْغِنَى
O Allah, I ask You for guidance, piety, chastity, and self-sufficiency.
Sahihاللَّهُمَّ 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.
Hasanرَبِّ إِنِّي لِمَا أَنْزَلْتَ إِلَيَّ مِنْ خَيْرٍ فَقِيرٌ
My Lord, indeed I am, for whatever good You would send down to me, in need.
Sahih