So here I am at the last maple-coated donut. I see it as something I get from a store and some money, not from my own seeds. I want it in a way that's mistaken about how to get it.
And so rather than taking care to plant seeds for a donut (by leaving this one for the lady behind me), I force the issue. I take the last donut, and thereby do a “karma.”
Our mind is like an extraordinarily sensitive video camera that records every act, word, and thought we ever undertake, every second of our entire life. The image of each action or karma is stored in the mind as a seed. When the time comes, the seed ripens and creates everything around us and inside us.
This storehouse of seeds decides what we see now and also what we see where we can't see yet: after we die. Don't be naïve and believe that thoughts stop just because the body stops. If you don't get a call from someone, it doesn't mean they're dead. Maybe their phone is just broken.
We all have lots of old bad seeds. Knowledge can stop them from ever growing.