Fate determines that you will find a lost wallet/purse with a large sum of money inside. Your actions determine what you will do with that wallet and the large sum of money.
Destiny is pre-written. You will be judged by the actions you take.
This is an interesting definition of Fate and destiny. Why would I be judged by my actions if my destiny is pre-written, in that scenario my convictions are already written into my conscious .
If my destiny is pre-written my actions can never deviate from the course that leads to my destiny and in that case my actions are pre-written too.