आयुः कर्म च वित्तं च विद्या निधनमेव च । पञ्चैतानि हि सृज्यन्ते गर्भस्थस्यैव देहिनः ॥

These five: the life-span, the type of work, wealth, learning and the time of one’s death are determined while one is in the womb.