عَنْ أَبِي هُرَيْرَةَ قَالَ: قَالَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ «تَعَوَّذُوا بِاللَّهِ مِنْ جَهْدِ الْبَلَاءِ وَدَرَكِ الشَّقَاءِ وَسُوءِ القضاءِ وشَماتة الْأَعْدَاء»

Anas said that the Prophet used to say, “O God, I seek refuge in Thee from care, grief, incapacity, slackness, cowardliness, niggardliness, the burden of debt, and being overpowered by men.” (Bukhari and Muslim.)