What makes us make the choices we do..is it destiny, intelligence or stupidity

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Why do we make the choices we do in life? Do you think our lives are preplanned and we make the choices we do in order to learn a lesson in life? Do you think things through before you make a decission or do you make a choice on something because it sounds good (like the right thing to do)? How many times have you said, "I could have" or "I should have)?