Mus'ab bin Sa'd bin Abi Waqqas narrates from his father: The Prophet Muhammad (peace be upon him) used to teach us these words just as writing is taught. "O Allah! I seek refuge in You from miserliness, and I seek refuge in You from cowardice, and I seek refuge in You from being returned to the most abject stage of life, and I seek refuge in You from the trials of this world and from the punishment of the grave."