Do you believe in fate?

Some people think that their livies are set in an unchangeable way. It means that even if they try to do everything in order to rise from in ranks, they still can not (can't) become rich. People call this fate. So, do you believe in fate?
In the past few years, when I were while I was in college/ the University, I used to think that there arewas nothing called fate.(OR I didn't believe in fate.) People can get to every/any destination they aimed to get to if they are keep going on their attempttrying and don't stop dreaming. I 've read this somewhere :"If you think you can, you can but if you think you can't, you're right". To me, this statement is very meant to for me. I don't stop believing in myself and don't stop dreaming. Of course, attempt is always the priority.
But you know, since I've graduated, I've taken a job and I try to be a good performer/productive employee everyday. Then  Now I've recognized that the life is not (isn't) that easy. I feel like I'm a little speck of dust in an huge ocean  desert/drop of water in a huge ocean. Does my belief help me achieve my goals? Does it help me get to the place called paradise that I've always dreamed ofever dream? I've started to become discouraged.
Please direct advize to me, it is right to believe in fate?

Personally, I don't believe in fate but I do think that our confidence in ourselves can lift our spirits and help us to be more encouraged to dream and have hope for a better future. With out hope, I believe we all have worse experiences because we can't "see" the positives and only notice the negatives.