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The Prophet used to say supplication in these words: "Allahumma inni a'udhu bika minal-kasali, walharami, wal-jubni, wal-'ajzi, wa min fitnatil-mahya wal-mamat. (O Allah, I seek refuge in You from laziness, old age, cowardice, and incapacity, and from the trials of life and death.)"
Sunan an-Nasa'i Book 50, Hadith 62
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The Messenger of Allah used to say supplication in these words: "Allahumma inni a'udhu bika min ghalabatid-dain, wa ghalabatil-'aduwwi, wa shamatatil-a'da' (O Allah, I seek refuge with You from being overwhelmed by debt and from being overpowered by the enemy, and from the enemy rejoicing at my misfortune.)"
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"I heard the Messenger of Allah say: 'Allahumma inni a'udhu bika minal-kasali, walharami, wal-maghrami, wal-ma'thami, wa a'udhu bika min sharril-masihid-dajjali, wa a'udhu bika min 'adhabil-qabri, wa a'udhu bika min 'adhabin-nar (O Allah, I seek refuge in You from laziness, old age, debt and sin, and I seek refuge in You from the evil of the Al-Masihid-Dajjal, and I seek refuge in You from the torment of the grave, and I seek refuge in You from the punishment of the Fire.)'"