Umm i think fate is often pessimistic (yung parang on the negative side) on ones fortune while destiny is more upbeat and willing to take the chance for the better outcome

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The difference between fate and destiny is that fate is out of your own control which means it is meant to happen to you, while destiny is what you are meant to do or in other words you can control this one due mental thinking and actions. Destiny has slightly more positive connotations.