“You don’t become generous someday. You become generous by starting small today and turning up the dial over time.”

Retoro Capital Investments

You know the script we have all told ourselves: “Once the portfolio hits eight figures… once the business sells… once the kids are gone… what will I do with my time? I’ll finally have the time and money to give back big in a way that really counts.”

We’ve all lived that script because, as high achievers, we want to save the world. What none of us says out loud is that the longer you wait for “someday,” the harder it is to start at all. We don't magically change into new people when we have more time or more money. Instead, you become a more and better version of who you already are.

The best way to become the generous person you picture in ten years is to start being that person this year, even in tiny ways. Little habits now grow your heart, train your habits, and make giving automatic. Then, when the passive income really starts flowing, you don’t have to flip a switch because you can just turn up the dial.

This season, Retoro Capital Investments is spotlighting our founders and partners in how we are giving back more now that we have retired early from corporate, showing patterns that emerged before we had passive income or time freedom. This is to help give ideas that might resonate with you on how you can start now by contributing in ways that don't feel overwhelming, and to show what types of investors we value working with. If you share our mission for earning higher returns with less risk to fuel giving back more, let's put our money to work together for the greater good.

Big Things Started As Small Things

Lisa Field Moore, MBA, our CFO and former financial analyst turned full-time real estate investor and fund manager, has been adopting 20-40 Utah foster kids every Christmas for 15 years. She started long before her passive checks were big enough to make it effortless.

Lisa also gives back by freely teaching others how to invest, volunteering with investor associations and mentoring new investors while helping manage the organizations.

Lisa connects with local giving organizations and gets shopping lists for the children so they can enjoy Christmas no matter what family they are living with.

She began all this before she and her husband retired on real estate investing income, before she had "made it" financially or from "buying her time back." She started where she was with just 1-2 kids, and it has grown as her experience and capacity have grown.

That's the key to giving back lavishly in the future: giving what we can right now. Our giving "muscle" develops with any effort, and that magnifies over the years of attuning our mindset toward that eventual big, world-changing effort.

Humble Beginnings Can Inspire Great Things

ZASHA SMITH, P.E., our CMO, was raised in poverty in Hawaii, a single mom while earning her civil-engineering degree. After ditching her Maui County job when real estate paid more, she now builds affordable homes on the Big Island, so other families can have a place to call home for years to come. She has used her past to stand on, including a brush with foster care herself as a kid, to fuel her fire to create change instead of just remembering pain.

Zasha is now building affordable homes in Hawaii, one of the most expensive markets in the country, to help others have stable homes in the areas they work in and love. She's also dedicated to several non-profit efforts, including her local church, where their activity and donations help build her local community. Be sure to include these hyperlocal initiatives in your overall giving plan as she does.

Passive Income Can Magnify Your Effort and Ability

Both Zasha and Lisa leaned on low-risk private-lending cash flow (the same vehicle we offer at Retoro) to scale their impact faster, but neither waited for the money to show up before they started giving back.

They began small, stayed consistent, and let the passive income simply turn the volume up.

That’s the entire point of what we do at Retoro Capital Investments: higher returns with less risk, so you have a margin today that creates rocket fuel for tomorrow. You don’t have to choose between building wealth and building generosity. You can (and should) do both at the same time.

With the new year and new resolutions rapidly approaching, take this season of reflection and gratitude to lock in. Start this December, today, with one foster kid’s wish list, one conversation about an affordable lot, or one donation to an organization that you trust. The habits you build now are the same ones that will write six- and seven-figure checks later without you ever having to become “someone else” in between.

Two easy ways to move today:

1. Reply to this post or send me a DM, and I’ll send Lisa’s exact Utah foster contacts, Zasha's affordable housing project seeking funding, and a link to find your local investing chapter.

2. If you are an accredited investor and want to be part of our private lending vehicle that turns small habits into big impact, book a 30-minute call with us at partnerwithrci.com, with no pitch. We just review if your goals are consistent with our opportunities, and I'll send you our current deals and timelines.

Don’t wait for someday. The generous future version of you is counting on the present version to start this week.

To freedom that gives today and gives even more tomorrow!