THE DANGER OF OVERDRAFTING | Mindset Mastery w/ A.Z. Araujo

In this episode of Do The Work | Mindset Mastery,

I talk about the power of deposits the small, consistent actions that build the life you truly want.

The Vision That Started It All

This past weekend, I celebrated my birthday surrounded by my family. It reminded me how far I’ve come from that 16 year old kid who dreamed of owning his first car. Back then, I didn’t have the money, but I had a clear vision. I knew exactly what I wanted, and that vision became the fuel that carried me through the work that was required.

Every lawn I cut, every car I washed, every dollar I saved was a deposit toward that goal. My parents taught me that work ethic mattered, but I learned early that effort without direction isn’t enough. You need a vision to reinforce your actions. That’s what kept me going knowing that each deposit, no matter how small, was getting me closer to something bigger.

When I finally bought that red 1987 Nissan Sentra, it wasn’t just about the car. It was about proving to myself that anything I truly want requires consistent deposits over time.

Deposits and Withdrawals

That same principle applies to everything in life business, marriage, health, and faith. For years, I forgot that. I worked hard but neglected the deposits that mattered most. In my marriage, I withdrew more than I deposited. I expected peace, connection, and understanding, but I wasn’t putting in the daily effort to earn them.

The same thing happened in my business. I made the right deposits for a while, saw success, then stopped reinforcing those habits. When challenges hit, I had nothing left to pull from. I was overdrafted emotionally, mentally, and financially.

It wasn’t until my mid 30s that I realized the pattern. The moments I neglected myself skipped workouts, ignored my faith, avoided hard conversations were withdrawals. Every ignored priority created debt that showed up later as frustration, stress, or failure.

The Power of Preparation

Life will test you. You can make every deposit and still face setbacks. What matters is whether you’ve prepared yourself to recover. When I had surgery recently, I was back at the office the next day not because I’m superhuman, but because my body and mind are conditioned through years of consistent deposits.

The same applies to business and relationships. You can’t expect to withstand challenges if you haven’t built the endurance to do so. Most people don’t break because of one bad day. They break because of a slow burn months or years of neglecting the deposits that build strength and clarity.

That’s why I train daily. That’s why I eat clean, journal, pray, and stay connected to my purpose. These actions prepare me for the inevitable withdrawals life demands.

Living from Surplus

The goal isn’t just to make deposits it’s to create a surplus. When you live in surplus, you operate from overflow, not survival. You can give more to your family, your business, your faith, and your community because you’re not running on empty.

Scarcity, abundance, and prosperity are all connected. Scarcity is survival mode. Abundance feels good but can vanish with one bad decision. Prosperity is the standard when your deposits are so consistent that even a setback can’t derail you.

That’s what I’m building toward every day. Prosperity in mind, body, and spirit. It’s what allows me to show up for my family, lead this company, and continue to grow with purpose.

Reflection Questions

1. Where in your life are you trying to withdraw without first making enough deposits?
2. What daily actions could you commit to that would strengthen your spiritual, mental, or physical bank accounts?
3. Are you living in scarcity, abundance, or prosperity and what would it take to reach the next level?

Notable Quotes

1. “Anything that I want is going to require deposits.”
2. “Every skipped workout, every ignored conversation, every avoided marketing piece it all adds up.”
3. “The goal is not just to make deposits but to build a surplus that allows you to live from overflow, not survival.”

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