What are your personal beliefs about why and how events unfold in your life (or in general why things happen the way they do)?

For people believing in any religion, the religion provides the answer for them to believe in. But others who are skeptic, or for those whose believes come from their own experiences, what do they believe to be the reason behind things happening in their life. Or if they believe there is no reason, is that satisfactory for them? Also has there been any incidence where they are forced to look beyond their belief (even for religious people).