Messenger of Allah ﷺ used to seek refuge with Allah saying, "O Allah! I seek refuge with You from laziness, and seek refuge with You from cowardice, and seek refuge with You from geriatric old age, and seek refuge with You from miserliness."  

كَانَ رَسُولُ اللَّهِ ﷺ يَتَعَوَّذُ يَقُولُ اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَأَعُوذُ بِكَ مِنَ الْهَرَمِ وَأَعُوذُ بِكَ مِنَ الْبُخْلِ