There is a lot of confusion when it comes to topics like fate, free will, destiny, effort, luck, karma etc.
Do I have free will? If so, then how does astrology work? Why do people say I am destined for such and such problem to occur? Do I need to make any effort to change my circumstances?
Lord Krishna in the Gita answers these questions in one fell swoop.
Chapter 6, verse 5. He says that there is only one person responsible for both the highs and lows in one’s life. And that is the person himself/herself. Krishna also clarifies in this that everything depends on the state of one’s mind. If one uses their mind well, they can elevate themselves. If one denigrates themselves, they will fall. Remember the recent Maldives trip? (link)
The Amritabindu upanishad has the final say. Mana-eva kaaranam mokshaaya bandhaaya. The mind alone is the reason, for both liberation and bondage. Said simply, the mind is both the problem, and the solution.