Let us just say that it is 95% correct. Fate can be changed by an unchanging Will. Nevertheless, it can be so precise that it coils around us like snakes! No God is omnipotent, if It cannot and does not change Its plans from time to time and the Supreme can and sometimes do.
Faith and an indomitable Will, plus the Grace of the Supreme or someone acting as an advocate of the Supreme is mostly necessary. Hope this helps. Self-effort is necessary, accompanied by Grace, which is indispensable.