Premanand Maharaj Ji
What is the difference between karma and fortune (bhagya)?
Fortune is prarabdh; walk with awareness
Fortune is prarabdh karma, the result of earlier karma, while new karma is kriyamana. When the fruit of merit is used up and present sin joins earlier sin, downfall comes, so walk with awareness.
What is written in our fortune as the result of karma is called prarabdh karma. That is fortune. The new karma we do is kriyamana.