Does fate exist?

Fate is the result of the decisions you make.

Free will is a misnomer.
We all have to live by codes or ethics or doctrine or expectation......thus 'free will' as often defined exists only for those with no regard for such things.

the word Fate would suggest that our lives are already laid out for us , but the reality is we make decisions and change things then why would we have this ability if Fate really existed

It's deep, one of those things that one must explore on their own in order to realize it. Free will does exist, which determines our fate.

Time and chance happens to everyone.
We make most of our fate.

I believe for every Action There Is A Reaction.. I will leave it at that.