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If the Default Child Template of the current item is Text (which it is for another Text item), and focus is in the tree (press Ctrl+1 to move there if not), you can press Insert to create a new RTF item, then type the name of the item and press Tab to begin entering your text.
Otherwise, you can right-click on an item and choose Insert Child -> Text (or Alt+Insert, T) to create an RTF item, regardless of the current item's default child template.
You can get more elaborate than that if you wish, for instance, create your own RTF templates with boilerplate text or styles, but that isn't necessary.
You can also duplicate RTF files that you imported and rename them, or create in Word and import, but that would be more steps to do.
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