Swami Mukundananda
How much of my life is destiny and how much is my own free will?
Destiny plus free will
What you get in life is a combination of prarabdh (the destiny for this life) and kriyaman (the actions you do now by free will). Your effort can multiply or squander what destiny gives.
At every moment we have free will to act as we wish, and the actions we perform with our free will are called kriyaman karma.