Fate and Destiny are two different things, in my opinion.
Fate is the state of waiting for things to happen. It puts a person’s life trajectory, happiness and success in the hands of something other than the individual. It’s the backseat of someone else’s vehicle.
Destiny, on the other hand, is active and self-directed. It takes life’s reins by the hand, snaps them with assurance and heads towards purpose.
Carl Jung said, “When an inner situation is not made conscious, it appears outside as fate”. William Jennings Bryan noted, “Destiny is no matter of chance. It is a matter of choice. It is not a thing to be waited for, it is a thing to be achieved.”
In Tarot, I see Fate personified by The Wheel and Destiny by The Chariot.
I’ve come up with some traits I feel are characterized more by a Fate/Wheel outlook—and those reflected by a Chariot/Destiny worldview: