There are two somewhat interlinked concepts in Hinduism.
One is prarabdha or that portion of our karmic balance that we are to experience in this life. Our birth into a good pious, self-sufficient and contented family is such an example. If we have this, we are lucky. Because many do not have even this.
The other, is purushartha. Which refers to the efforts put in by an individual, to achieve his goals. The goals have been divided into four – dharma (duty), artha (wealth), kaama (love) and moksha (liberation). These are loose translations, but in effect provide goals for us to live by and pursue. The ultimate goal is moksha of course, and achieving it dharmically, while having requisite artha and family life is considered ideal.
The problem arises when people are bestowed with excellent prarabdha, but fritter it away due to lack of or undirected purushartha. Being introduced to a satsang, finding a Guru, or rather a Guru finding you, having the company of noble and wise people, having the luxury of a good primary education etc. are nothing short of great karmic gifts – because we in our current lives hardly did anything to deserve these. And yet, people are unable to make time for an hour of satsang, or a week of seva to the Guru or some other means of giving back.
Everything we got, on a platter as it were, is prarabdha. Because there are so many people out there putting 10x the efforts getting 0.01% of the results you and I get. Prarabdha is gotten already, but purushartha is what we do with it. i.e. Destiny versus free will.