The destiny is in our hands. Whatever we do at present time molds what we become in the future. If we want to have a good future, we must make a good start. If we want to have a stable job of course we must be educated and to become educated we should finish our studies to attain our goal. A dream is only in our mind, it helps us to become motivated and determined to make it happen.
But if we only dream and do nothing to make it possible, it is totally useless. We, ourselves creating our future... God only guides us and the people around us could be an instrument to lift us... or to distract us. There are many aspects that can affect destiny, but we are the one who is more responsible with it.