Indeed, it's thoughtful and well written content. I also do believe that destiny as some people perceive it as a game changer, which might be a ble to change once life at the lesser part in their live may seem true but I feel it holds no water as only hard working individuals do most at times have a complete over turn in life. That's changing their lives from serious poverty to manageable wallet holders.
Your life is yours to plan an and either it's goes well or not it's up you.
Ownership, responsibility and discipline is required if one is to create a better life; unfortunately many people do not want to apply those things.
They are an asset of importance if one aspires to achieve greatness in life. But most people fear to pay the prices for them.