Fate can be looked at as the way the wind blows. If you were on a sailboat, you might be moved according to its direction. This is where you might say, “Well what could I do? I can’t help the wind.” Or, “How lucky was that??” Fate is the circumstances of your life (the wind) that your soul has chosen to experience in order to grow in this lifetime.
Destiny is when you use the sail’s rudder in response to the wind to move in the direction you want to go. This is where you understand your own personal power as co-creator. Destiny is your life purpose, and it gives direction. From fate comes the experience, the growth, and the lessons that supports your destiny.