يَتَعَوَّذُ مِنَ الْجُبْنِ وَالْبُخْلِ وَفِتْنَةِ الصَّدْرِ وَعَذَابِ الْقَبْرِ .
It was narrated from 'Umar that: The Prophet [SAW] used to seek refuge with Allah from cowardice, miserliness, the tribulation of the heart and the torment of the grave.