This question plagues all of us some or the other time in our life, especially when circumstances are not as per our liking or expectations. On the spiritual path however, the answer is only relevant if it allows us to accept our situation, whether through destiny or free will. Otherwise this question is of no relevance since it does not help us progress on the path. We can lose ourselves in the intellectual gymnastics and find ourselves still there, where we started.
My suggestion to a spiritual seeker would be to drop this question. It will lose its charm anyways as one progresses, but the sooner you get out of its clutches, it helps to move forward quickly.
Can listen to the talk here:
https://oormi.in/muni/index.php?name=2021-12-23-Satsang_6-_Destiny_or_Free_Will.mp3
Thanks to Sanjay for creating the memes.
The URL doesn't seem to work for me:
https://oormi.in/muni/index.php?name=2021-12-23-Satsang_6-_Destiny_or_Free_Will.mp3