A: Great question. No matter what happens in time and space, you will experience your thoughts, beliefs, and expectations, and so, no matter where you are, you are where you should be, and all is well. In this world of illusions, nothing you do, or don't do, will take time away from eternity. You are a forever being, and this is a place we all chose to be so that we can “practice,” if you will, being creators in a safe and loving environment. You may think that “bad things” can happen based upon some thoughts/choices, but in the bigger picture no bad things really happen (please see what I wrote in the Tsunami section of the Ask Mike section of the TUT site).
So just because all is well, and we are loved, exactly where we wanted to be (in a paradise/playground that we create) and we can do no wrong, doesn’t mean we don’t have free will to choose our creations. If we want to have “more fun,” we will observe ourselves creating and learn how to choose our manifestations wisely.
We have only “charted” our lives to the degree that we have chosen to live in a world in which we can make our dreams come true. Not to live in a predetermined world.
That common phrase is particularly sad (and, in my opinion, incorrect). It should read, “If you want to make God laugh, tell her HOW your dreams will come true...” The "hows" are the domain of the Universe. Our dreams of love, joy, happiness, health and abundance are not something God would ever laugh at, or deny us. She wants for you what you want for you, and if our dreams have not yet manifested, it is not for lack of her abilities, but our own, in truly believing (and behaving accordingly) in their inevitability.