Morning Dua/ Athkar

اَللّٰهُمَّ إِنِّيْ أَعُوْذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ ، وَأَعُوْذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوْذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ ، وَأَعُوْذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ لرِّجَالِ

Allahumma inni a-uthu bika minal-hammi wal-hazn, wa a-uthu bika minal-ajzi wal-kasal, wa a-uthu bika minal-jubni wal-bukhl, wa a-uthu bika min ghalabatid-dayni wa qahrir-rijal.

O Allah, I seek refuge in You from worry and grief, I seek refuge in You from impotence and laziness, I seek refuge in you from cowardice and miserliness, and I seek refuge in you from overpowering debt and the subduing of men.