Premanand Maharaj Ji
If everything is destined, why should I make any effort at all?
Prarabdha does not stop new karma
You carry prarabdha, the karma you are experiencing now, sanchit (stored) karma and kriyamana, the new karma you do now. Human birth is given for new action, so do it with enthusiasm and dharma.
You have prarabdha to experience, accumulated karma, and kriyamana as well. Kriyamana means new action. Who has stopped you from doing new action?