Is life a destiny and fate or our own choices?

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Life is what we make it as they say but sometimes life is also destiny and fate. We often hear people say, she was destined to be that successful or it was his fate. I believe life is our own making. It is more of the choices we make in life. If we strive hard then we can have better lives but if we wait for destiny and fate to come, we would be in trouble. We are given life by God and whatever happens to our life depends on how we handle and go about things. Share your views to this discussion. What is life to you? Is it fate and destiny or the choices we make?