To elaborate:

What happens to you is your choice. You make the decisions. What makes it fate in the end is when you look back on it and see the other paths. Those turning points where you made decisions are what affected your "fate."

The reality of the matter is that they never were really choices to begin with. Yes, you, of your own free will, decided what was to happen. One option was taken over another. However, if you were in the same situation again, you would choose the same option (note my phrasing--do not argue with me about this as it is a fact).

That means that, if you were to look at it from a looking back perspective, then you life would be predetermined from the beginning of time. Here, in the now of time, you have all the options you could possibly imagine. They're just not choices as we all understand the word.

You can go to work or quit your job. It's up to you to decide, but whatever thought you have about the situation is there for a reason, and that reason exists for another reason. It's all a big, inescapable chain.

That is, if you look at it from the end. Currently, I choose my fate. There is nothing that determines where my life will go but me. It'll be different in 70 years.

What is it they say about silence being golden?