The Encounter
The Messenger of Allah (ﷺ) entered the mosque and found Abu Umama (ra) sitting there outside the prayer time.
Worries & Debts
He asked, “O Umama, why are you sitting here?” He replied, “Worries have overtaken me and debts, O Messenger of Allah.”
The Teaching
The Prophet (ﷺ) said: “Shall I not teach you some words that, if you say them, Allah will relieve your worries and settle your debts?”
Say it Morning & Evening
“O Allah, I seek refuge in You from worry and sorrow, from incapacity and laziness, from miserliness and cowardice, and from the burden of debt and the domination of men.”
[Abu Dawud]
Recite after Fajr and after Maghrib (or morning and evening).
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The Outcome
Abu Umama (ra) said: “I did that, and Allah relieved my worries and settled my debts.”