I think that it's both. I feel that the events/circumstances in our lives are destined to happen, but how we react/respond to these circumstances determines the outcome. Like the saying goes, "Life is a test". If we are faced w/ a situation (DESTINY) e.g job loss, we have several options e.g. A. cry, B. find another work, C. start a business... This is when we get a chance to influence our future.

Life is what you make it, nothing more, nothing less.

Who cares!

If everything is set in stone and predetermined, then we have no free will. :P

Do you think we make our future or whatever we do prove(s) that our destiny was written before? John Lennon famously said: "Life is what happens to you when you're busy making other plans". I think that, in life, from time to time, we do something that points us in another direction, although it is not always the direction we expect.