In The Name of Allah, the Beneficent, the Merciful
Narrated Sa’d:
Seek refuge with Allah by saying the words which the Prophet used to say while seeking refuge with Allah, “0 Allah! I seek refuge with You from cowardice, and seek refuge with You from miserliness, and seek refuge with You from reaching a degraded geriatric old age, and seek refuge with You from the afflictions of the world and from the punishment in the grave.”
(From Bukhari)