Well done my friend. Your presentation of your understanding of karma has come a long way in the past few months, from where you used to fully conflate it with serendipity, on the one hand, or revenge by the universe on the other , which is a limited westernization of the concept. As you allude to, karma is all about intent, and I like your reference to investment. Someone once explained karma to me like a bank account with good karma being deposits, which we can withdraw and spend, and bad karma being deductions. It does not necessarily mean that good things happen to good people and bad things happen to bad people, as experience shows that is more uncommon than otherwise. Sometimes it's the small things, as you also pointed out that have a grand effect. In May I ran into a car on my bicycle. https://medium.com/channspirations/i-ran-into-a-car-today-on-my-bicycle-192e9ec09386 It was completely my fault . Somehow I managed not to injure her car or my bicycle, mostly because I managed to absorb the impact into one finger, dislocating it. With the adrenaline of the moment, I felt no pain and just happened to see it as I got up off the asphalt. The driver was so shaken. I calmed her and assured her I was unharmed. My spirit guides informed me I earned a lot of good karma that day and might have said something about clearing a karmic debt too.