How do you think the universe started and life on earth began?

I honestly do not give this topic as much thought as I probably should. When thinking about how the universe started I always automatically think about the Big Bang Theory, because thats what we are taught in school. And then I think about the religious aspect that God created earth and man.  The Big Bang theory is the idea that “the universe as we know it started with a small singularity, then inflated over the next 13.8 billion years to the cosmos that we know today.” The God outlook on it is that God created heaven and earth in 6 days and rested on the seventh day.In my mind life began with animals and as time evolved humans started to exist. But in reality I do not know how the universe started and life began on earth. Because, I do not think any human has the correct answer.