Destiny is a choice
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So fate is something that has happened, when you are now a sholeh, because you choose the choice given by God to be a sholeh, and vice versa when you are now a thug, because you are choosing destiny to be a delinquent, and you already given choice and direction by God, which way will lead us to hell, and which way will bring us to heaven. And now we have chosen it "
"Likewise with wealth, God has given choices through His guidance, how the path to the rich, and the path to poverty. We have to choose which way we will go.
"Pray much to God, that we always be guided to always choose the right path according to Him."