I have to admit, I'm not much for the idea of predetermination in my life.
And honestly, that's where my biggest faith issues come into play, because it's just really hard for me to believe that an abstract omniscient being is somehow puppeteering people around, especially when so many things have much simpler explanations.
Everything happens for a reason. Sometimes the reason is you're stupid and you make bad decisions. But hey, it's still a reason for why stuff happens.
Alternatively, sometimes the reason is that somebody else is stupid and making bad decisions. But regardless of fault, there's still the basic idea that sometimes it's not predestined for you to do stupid things, you just did them, and they caused other (presumably negative) things to happen.
Everybody has moments of genuine stupidity (granted some people may be prone to those moments a bit more frequently than others). The difference is that some stupid moments have a much more long lasting effect than others, and that has much more to do with luck than a basic quantity of stupid.
Like unintentionally getting pregnant. Or burning the house down. Or becoming addicted to heroine. Or killing someone because you tried to drive home while still buzzed from the bars.
It can literally take less than 20 minutes of being stupid to make your life change completely and irreversibly.
However, it's usually out of these unintended consequences of stupid actions that you develop and grow as a person, and without them life wouldn't have much LIFE to it.
There wouldn't be the stories of getting your car stuck in the mud, there wouldn't be the laughing over your epic cooking failures, there wouldn't be the forced personal reflection when confronted with a morally conflicting choice, there wouldn't be the confidence that comes from overcoming obstacles (even when the obstacles are ones you created for yourself).
There wouldn't be you.
Things are not predetermined or somehow destined to be a certain way. Things become the way they are by your own personal choices every single day, the good and the bad, and things never stop happening with the constant ticking forward of time being ever present.
Everything happens for a reason. Make the reason a good one.