اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Allahumma inni a'udhu bika minal-hammi wal-hazan, wal-'ajzi wal-kasal, wal-bukhli wal-jubn, wa dala'id-dayni wa ghalabatir-rijal
主啊,我向你求庇护,免遭忧愁和悲伤、软弱和懒惰、吝啬和懦弱、债务的重压和人的压迫。
Recite when feeling anxious, worried, or depressed
The Prophet (PBUH) used to frequently make this dua, seeking refuge from all that prevents a person from being productive.