Dua against worries, sadness, burden of debt, and being overpowered by others; Sadness of Abu Umamah

One day the Messenger of Allah ﷺ entered the masjid. He saw there a man from the Ansar called Abu Umamah. He said: "Why am I seeing you sitting in the masjid when its not yet time for salah?" He said: "Worry and ˹the burden of˺ debt has taken a hold of me, Messenger of Allah." He replied: "Shall I not teach you words by which, when you say them, Allah will remove your worries, and settle your debt?" He said: "Of course, Messenger of Allah." He said: "Say ˹every˺ morning and evening:

allāhumma innī aʿūdhu bika min al-hammi wa-al-ḥazan, wa-aʿūdhu bika min al-ʿajzi wa-al-kasal; wa-aʿūdhu bika min al-jubni wa-al-bukhl; wa-aʿūdhu bika min ghalabat al-dayni wa-qahr al-rijāl

(O Allah, I seek refuge in You from worry and sadness; I seek refuge in You from incapacity and laziness; I seek refuge in You from cowardice and stinginess; and I seek in You from being overcome by debt and being overpowered by men (people).)

He said: "When I did that Allah removed my worries and settled my debt."

دَخَلَ رَسُولُ اللَّهِ ﷺ ذَاتَ يَوْمٍ الْمَسْجِدَ فَإِذَا هُوَ بِرَجُلٍ مِنَ الأَنْصَارِ يُقَالُ لَهُ أَبُو أُمَامَةَ فَقَالَ: «يَا أَبَا أُمَامَةَ، مَا لِي أَرَاكَ جَالِسًا فِي الْمَسْجِدِ فِي غَيْرِ وَقْتِ الصَّلاَةِ۔» قَالَ: هُمُومٌ لَزِمَتْنِي وَدُيُونٌ يَا رَسُولَ اللَّهِ۔ قَالَ: «أَفَلاَ أُعَلِّمُكَ كَلاَمًا إِذَا أَنْتَ قُلْتَهُ أَذْهَبَ اللَّهُ ﷻ هَمَّكَ، وَقَضَى عَنْكَ دَيْنَكَ؟» قَالَ قُلْتُ: بَلَى يَا رَسُولَ اللَّهِ۔ قَالَ: «قُلْ إِذَا أَصْبَحْتَ وَإِذَا أَمْسَيْتَ:

(اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ۔)»

قَالَ فَفَعَلْتُ ذَلِكَ فَأَذْهَبَ اللَّهُ ﷻ هَمِّي وَقَضَى عَنِّي دَيْنِي