I am dressed in gray and black today, because they're the last clean clothes I have left, so I have no choice in the matter.
This is logical, and it cannot be argued against (I really have no other clean clothes, I need to be clean and so on).
I can safely say I have little choice in the matter.
On the other way, the situation as it is is the reflection of my choices past. I could have made a different choice yesterday (perhaps), or the day before that would allow me different choices now.
This is karma.
People usually thinking of karma though, say I don't believe in karma. or I believe in karma. In that context, karma is predestination, the fact that some things "just happen to you", that you're a victim of circumstance destiny. If you put it that way, I don't believe in karma either.
In my context though, karma is just another word for responsibility: the fact that you can do whatever you want, but you will probably have to face the consequences of that sooner or later, in one form or another. It is not a matter of clearing your karma, getting a good or bad karma (though I think you may call it that if you really want) or having to pay for bad karma. It's just the fact that you 'lay your own bed' so to speak.
Maybe it's an invitation to pay attention.