O Allah, I seek refuge in You from anxiety and sorrow, from weakness and laziness, from miserliness and cowardice, from the burden of debt and the overpowering of men.
O Allah, I seek refuge in You from laziness, old age, bad decrepitude, the trials of this world, and the punishment of the grave.
O Allah, I seek refuge in You from laziness and senility, from sins and heavy debt, from the trial of the grave and the punishment of the grave, from the trial of the Fire and the punishment of the Fire, from the evil trial of wealth, I seek refuge in You from the trial of poverty, and I seek refuge in You from the trial of the False Messiah (Antichrist).