Abu Sa'id al-Khudri told of a man who said to God’s messenger that he was entangled in cares and debts. He replied, “Shall I not teach you words by which, when you say them, God will remove your care and settle your debt?” and when the man expressed a desire to hear them he told him to say morning and evening, “O God, I seek refuge in Thee from care and grief; I seek refuge in Thee from incapacity and slackness; I seek refuge in Thee from niggardliness and cowardice; I seek refuge in Thee from being overcome by debt and being put in subjection by men.” He said that when he did that God removed his care and settled his debt. Abu Dawud transmitted it.