“I used to often hear the Prophet (ﷺ) supplicating with these words: ‘O Allah, I seek refuge in You from sadness, grief, helplessness, laziness, being stingy, overwhelming debt, and the overpowering of men (Allāhumma innī a`ūdhu bika minal-hammi wal-ḥazani wal-`ajzi wal-kasali wal-bukhli wa ḍala`id-dain wa ghalabatir-rijāl).’”