This is a tough one. I believe more in fate than anything else.
I've read somewhere that we come to this world with a plan that we ourselves made before beginning this life. So, pretty much everything that happens to us is to help us improve on a spiritual level (learn from tough situations and grow).
I've noticed that a lot of people who believe in choice live by and large good lives. They are quite attractive, they get a lot of attention, they succeed in life because of their hard work, but that's not the only reason. Other people put as much if not more effort and are not even remotely as successul.
For example 2 of my best friends. One is attactive and gets all the girls, the other one (decent looking dude) has been trying for years and still nothing.
Another case. A friend graduates, applies for a job and is hired the next day and starts in 3 days. After a year he's had tons of pay raises and promotions. Another works her butt off in her job (and she's actually brilliant at it), gets a shitty salary, horrible boss and can't find a job in her field anywhere else.
If you ask the first person in each case, they'll tell you it's all because of their hard work. The same argument is used by billionaires as well. I think that hard work and choiced are by all means siginificant, but not enough. You need a combination. And I believe that luck is part of fate/destiny.
