Destiny belongs to the one which is born, lives, and dies in this world. The Soul the innermost 'Self' has no destiny because it is free from form, time, and space.
One can talk of destiny within the scope of the form, the time, and space. How can one talk about destiny when the Self, is birthless and deathless because it is ever formless.
Those Gurus talk of destiny and Praraabdha; all these show their ignorance of the truth hidden by the 'I'. Instead of helping, they obstruct.
The Soul the 'Self' has no destiny, no Prarabdha because it is free from the illusory form, time, and space.
The Soul, the Self is unborn eternal has no destiny and Prarabdha because it is ever nondual.
Remember:~
The theory of fate or Prarabdha is an imaginary theory based on the false self (ego). The theory of fate or Prarabdha is for the ignorant because those who accept the waking entity as the Self and the waking world as reality.
Ignorant people believe the present experience of birth, life, death, and the world as reality. That means they have accepted their body as the Self whereas the Self is the Soul or consciousness.
Those who believe in their experience of birth, death, and rebirth and permanently remain in ignorance. Thus whatever is based on the ego is a falsehood because from the standpoint of the Soul, the Self the waking experience itself is an illusion.
The waking entity and the waking world are a reality within the illusory waking experience.
The Mundaka Upanishad:~ Ksheeyanthe thasya karmani thasmin drushte cha paravare, Bahuthwam than nishedartha sruthya geetham cha yath sphutam. 98
The body being in this world does not also exist and due to this, Prarabdha also does not exist, though the Vedas speak of Prarabdha, for the understanding of the ignorant.
All actions of man including Prarabdha, Perishes when one can see, Brahman which is in the higher and also lower, Thus tell the Vedas with clarity, *Cause and effect If fate does not get destroyed, ignorance gets never destroyed and spiritual realization never comes.
Uchyathe agnai balath chaithaththadaanatha thad vayagama, Vedantha matha hanam cha yadho jnanam ithi sruthi. 99
If the ignorant adamantly refuse to know this, Not only will they get involved in two absurdities*, But also forsake the conclusions of Vedanta, which proceed from Veda, the true knowledge. *negation of Brahman and its realization.
Sri, Sankara says in Aparokshanubhuti:~ 88. When the whole universe, movable and immovable, is known to be Atman, and thus the existence of everything else is negated, where is then any room to say that the body is Atman?
89. O enlightened one; pass your time always contemplating on Atman while you are experiencing all the results of Prarabdha; for it ill becomes you to feel distressed.
90. The theory one hears of from the scripture, that Prarabdha does not lose its hold upon one even after the origination of the knowledge of Atman, is now being refuted.
91. After the origination of the knowledge of Reality, Prarabdha verily ceases to exist, since the body and the like become non-existent; just as a dream does not exist on waking.
92. That Karma which is done in a previous life is known as Prarabdha (which produces the present life). But such Karma cannot take the place of Prarabdha (for a man of knowledge), as he has no other birth (being free from ego).
93. Just as the body in a dream is superimposed (and therefore illusory), so is also this body. How could there be any birth of the superimposed (body), and in the absence of birth (of the body) where is the room for that (i.e., Prarabdha) at all?
94. The Vedanta texts declare ignorance to be verily the material (cause) of the phenomenal world just as the earth is of a jar. That (ignorance) being destroyed, where can the universe subsist?
95. Just as a person out of confusion perceives only the snake leaving aside the rope, so does an ignorant person see only the phenomenal world without knowing the reality?
96. The real nature of the rope being known, the appearance of the snake no longer persists; so the substratum being known, the phenomenal world disappears completely.
97. The body also being within the phenomenal world (and therefore unreal), how could Prarabdha exist? It is, therefore, for the understanding of the ignorant alone that the Shruti speaks of Prarabdha.
98. “And all the actions of a man perish when he realizes that (Atman) which is both the higher and the lower”. Here the clear use of the plural by the Shruti is to negate Prarabdha as well.
99. If the ignorant still arbitrarily maintain this, they will not only involve themselves in two absurdities but will also run the risk of forgoing the Vedantic conclusion. So one should accept those Shrutis alone from which proceeds true knowledge.
The above proves that karma is a reality only on the base of the false self, where one thinks body and the universe as a reality. When one becomes aware of the fact that, the Self is the Soul, then karma becomes part and parcel of the illusory world.
My point is that, if one accepts the karma theory as reality, he will never be able to come out of the ignorance. And ignorance makes him believe the cycle of birth, life, and death or pain and pleasure as reality. Thus the freedom which one is seeking will remain a distant dream. For the one who accepts birth life and death as a reality, Self-knowledge is impossible.
Thus the seeker of truth must know the fact that the body which is born, lives, and dies is not the self. Since he is taking the body to be the self, he is experiencing the duality as a reality.
Sage Sankara says: When the whole universe, movable and immovable, is known to be Atman, and thus the existence of everything else is negated, where is then any room to say that the body is Atman.
If the body is not the Self, then the karma theory is meaningless, there is no second thing that exists other than the Soul, the Self, which is present in the form of the consciousness. The prarabda holds no water because the Soul, the Self is unborn, eternal, and ever nondual.