Another spiritual teacher gave me some food for thought.
On her radio show, Caroline Myss, the author of 'Sacred Contract', describes 'destiny' as 'an area of life that is build upon courage', and 'fate is built when your decisions are made through your fears. Your destiny is when you take the elements of your life and you respond to them with courage.'
Failure is described as being humiliated by an experience and thus labelling the incident as a failure. Myss emphasizes the need to understand that failure merely lays the groundwork for later events.
Listening to inner guidance and not being afraid to follow your intuition is the message I received from Myss' radio show (Hay house radio - see 'Links').