The Messenger of Allah (ﷺ) entered the mosque one day while a man from the Ansar was there who was called Abu Umamah. The Prophet (ﷺ) said, ‘O Abu Umamah, what is the matter that I see you sitting in the mosque while it is not time for prayer?’
He said, 'O Messenger of Allah, I am compelled by worries and debt.’ The Prophet (ﷺ) said, 'Shall I not teach you a word to say by which Allah the Exalted will remove your worry and relieve your debt?’ He said, 'Of course, O Messenger of Allah.'
The Prophet (ﷺ) said: 'Say in the morning and evening: O Allah, I seek refuge in you from worry and sadness. I seek refuge in you from inability and laziness. I seek refuge in you from cowardice and miserliness. And I seek refuge in you from being overwhelmed by debt and the force of men.’
— [(Sunan Abu Dawud #1555)]