You are a co-creator here. You create the life around you. Your thoughts and decisions and actions bring about an effect. And at the same time, others are creating. And you have an ego that tells you that you are separate from them. This means you will experience things as if they are happening independently of you... As if you do not create the world around you. And so, the truth is both. You are creating what is and you are also experiencing what is, as it happens independently from the you that you call by your name. The more you go into resistance about those things that seem to happen independently of you, the worse off you will feel in life and the less effective you are at the process of conscious creation.