Do you beleive in fate

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Fate i think is a very powerful thing in everyones life. fate decides our future. I really very much in fate though hard work do pays but all depends on fate. some earn hundreds even after studying too much and some earn lakhs even if they are not done much education. whats that, i think its fate. what u think am i right or not. If i m not right, why? and if i m right do support me by posting some reply.