Yes, karma is all about intent, and I like DMY's 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 DMY also pointed out. In May I ran into a car on my bicycle. 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.