O Allah, I seek refuge in You from laziness, old age, sin, and debt. — Sleep Adhkar
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْكَسَلِ وَالْهَرَمِ وَالْمَأْثَمِ وَالْمَغْرَمِ
Transliteration: Allahumma inni a'udhu bika minal-kasali wal-harami wal-ma'thami wal-maghrami
Translation: O Allah, I seek refuge in You from laziness, old age, sin, and debt.
Reference: Sahih al-Bukhari 6368