Sayyiduna Shaddad bin Aws (may Allah be pleased with him) narrated: I heard the Messenger of Allah (peace and blessings be upon him) say: "When people hoard dinars and dirhams, then you hoard these words: 'O Allah, I ask You for steadfastness in the matter (of religion) and firm resolve upon right guidance; I ask You for gratitude for Your blessing and excellence in Your worship; I ask You for the good that You know, I seek refuge in You from the evil that You know, and I seek Your forgiveness for what You know.'"
Hadith Referenceالمعجم الكبير للطبراني / باب الشين / 7126