I've been into occultism and spirituality for basically all of my life now. I usually do not openly share these ideas, but today, I figure, why not?

Here is my personal model of reality. It's not a religion but an attempt at an objective view of the weirdness that composes reality. The ideas expressed here have been developed over a decade or two, incorporating discussions with persons of various religions and also reading about all sorts of ideologies and religions.

You know how there are angels and demons, and humans are like the Yin and Yang that keep the whole thing in balance? Well, the truth is, there are no deities nor creatures of 'evil'. There are just two forces: negentropy and entropy, and all of the creatures that inhabit said 'realities'. You know why Lucifer's fall was so dramatic? It's as if a human fell beyond whatever is under 'demon'. We don't even know, nor did we ever imagine, that there was something 'under' demons, but there is, and that's the demon's demon. We are to angels what demons are to us, and we are to demons what angels are to us. It would come as no surprise if life in the demon realm is not dramatically dissimilar from life in a material world such as ours, after all, the material is just an illusion manifested by the higher forces, or what we like to call 'the fabric of reality'.

The material world, Reality planes

It's not an illusion in the sense that it's not real, but in the way that it severely limits the capacities of a human to the point where we just cannot do things we would otherwise be capable of (such as creating reality itself).

Fate, free will, and fate and the mandela effect:

As you may know, time is non-linear; we're not "going forward"—time is pretty much all over the place. So, how are we experiencing "the past" and awaiting the future?

That's the will, baby.

Now, what do I mean by will? You are conscious, and the simple act of being conscious is imposing a certain 'will' on reality itself. That is, time is not passing; you are passing through time.

Free will occurs whenever we make a decision. Whether we consciously choose that decision or not is irrelevant because the result is the same: We are, consciously or unconsciously, applying our will to travel through time in such a way that alters our 'attack angle'. It's kind of like steering a plane; the 'line' we were following now changes, so we are not pointing where we were before. Usually, our decisions do not alter our fate much, if at all. However, some extreme decisions (or rare, seemingly meaningless decisions) might severely alter our fate.

Fate is 'always fixed' in the sense that it is the end of the road. Regardless of where your path is pointing, you will always eventually reach the end of the road; it's simply impossible not to. It's pointless to talk about fate because, like death, it is inevitable.
The Mandela effect is mostly caused by extreme deviations in one's reality line. Extreme deviations usually require extreme measures and energy. As such, it is hard to 'point' to a reality where catgirls are real, for example. In the infinity of possibilities that the future holds, to jump 'very, very far away' would require you to take a very, very extreme measure, like detonating every nuke in the world, for example.

What happens when you die? Whatever you believe will happen, happens.

Be it because of spiritual implications or just the release of chemicals in the brain and an altered perception of reality (some trips on salvia are reported to last YEARS when the real trip takes about 20 seconds), you will experience 'whatever' it is that you think will happen. It might last only up to 0.5 seconds in real life, maybe, but for you, that will feel like an eternity. If we do 'turn off' and there is truly nothing after death, there is also nothing to worry about because you won't realize it. It would be like spending an eternity wherever you think you're going and then 'drifting off' to sleep without even realizing. Try to have some positive ideas about the afterlife, you know, just in case.

Karma is just social pressure for the soul, and interestingly, I've discovered that some writings about Hermetic teachings can be interpreted in this way too. To expand on the idea, if you truly believe what you are doing is 'right', then no karma will come your way, unless someone else witnesses you doing the deed and thinks said deed is 'wrong'. Their judgment will be placed upon you like weights thrown atop you. Why do you think occultism needs to be occult? There are many reasons, and this is one of them.

Regarding the Hermetic teachings, one of the texts mentions how a Hermetic master can 'jump out' of the pendulum before it 'swings back' to bad times (there is a theory about life having both good and bad times swinging like a pendulum). The Hermetic master is able to skip the bad times by jumping out because of reasons related to the functioning of karma. Just like karma is mental, the good and bad times can also be interpreted as a purely mental construct that can be more or less altered at will to the point of physical manifestation.

So, those who do bad deeds alone, as long as they don't repent and truly believe they are right, will receive no karma. Similarly, a person who does a good thing but does not see it as such might even go as far as to receive bad karma, depending on his perception.