Anas ibn Malik said, "The Prophet, may Allah bless him and grant him peace, used to often say, 'O Allah, I seek refuge with You from worry, sorrow, incapacity, laziness, cowardice, avarice, being overburdened by debt and being overcome by other men.'"  

سَمِعْتُ أَنَسَ بْنَ مَالِكٍ يَقُولُ كَانَ النَّبِيُّ ﷺ يُكْثِرُ أَنْ يَقُولَ اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَالْعَجْزِ وَالْكَسَلِ وَالْجُبْنِ وَالْبُخْلِ وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ