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Overspend Account

Are you sure algod_client is connected to testnet?
Are you sure your transaction does not attempt to send more than 20 algos?

Try to go to www.a-wallet.net, in the settings set the testnet, import the account and try to do the transaction.

Additional Information

I’m assuming you want to be on TestNet, as 3YQ4XKUUELUN64C3PSV5BIF42BWOQ6V76X55IYHIJDOM6DRBO6A2A2BFVU has 20 Algos only on TestNet.
Assuming that:

• You installed the node following Install a node - Algorand Developer Portal
• The goal command is in the PATH (i.e., you can type goal and get an answer).