Note: Those who are IN Jesus will not be condemned for their sins, because Jesus has taken their punishment for them. We abide in Jesus by yielding to His Spirit within us rather than being conformed to the world. We love our neighbor as ourself (which includes speaking the truth in love, not just telling people what they want to hear in order to make our own lives easier.) We seek His will out of love, gratitude and respect. If we choose to invest more heavily in this temporary world than in the eternal world to come, then we will have "spent" part of our inheritance in advance on worthless things that don't last forever. These investments include not only money, but our time, talents and other resources - all of which have been received by the grace of God. 

We are also warned not to turn back from following Jesus. It's better to have never known Him than to know the truth and then return to wallow in our sins that He cleansed us from, refusing to repent - dishonoring God by our evil behavior all the while claiming to be His children. It's better to literally lose our lives on His behalf than to shrink back from persecution. God knows we are weak and He provides us with the strength and wisdom we need to overcome. He welcomes us back if we stray. He washes us clean again with His one perfect sacrifice when we slip and soil the pristine white gown He has spiritually clothed us with. 

The Bible warns us repeatedly not to be deceived by those who want to pervert grace into a license to sin. It says that those who make a practice of sin after supposedly coming to understand that Jesus is the way, the truth and the life do NOT know God and will not inherit the Kingdom of God. Don't be fooled by them. When we abide in Jesus, He will bear good fruit in each of us for His glory and we will be rewarded for our humility and obedience in eternity. It will be worth any amount of suffering. (Matt. 5:11-16, Luke 6:22-23, Heb. 6:4-12, 10:26-39, 2Cor. 4:17-18, Phil. 1:27-30, 1Cor. 9:24-10:13, 2Tim. 2:3-7, Rom. 8 - read the whole chapter.) Sharing in the joy of Jesus when He receives His full reward for redeeming mankind will be worth it. (Isa. 53:11-12) Anything above that will be the cherry on top, and again, the very best part will be seeing and sharing in the joy of Jesus as He rewards those who love Him. (Rev. 3:11-14, John 14:15-26, 15:1-11, 12-21, Jam. 1:12-16, 2:5, 1Cor. 2:9)

related: 

He will render to each one according to his works: to those who by patience in well-doing seek for glory and honor and immortality, he will give eternal life; but for those who are self-seeking and do not obey the truth, but obey unrighteousness, there will be wrath and fury. There will be tribulation and distress for every human being who does evil, the Jew first and also the Greek, but glory and honor and peace for everyone who does good, the Jew first and also the Greek. For God shows no partiality. Romans 2:6-11

So then each of us will give an account of himself to God. Romans 14:12

So neither he who plants nor he who waters is anything, but only God who gives the growth. He who plants and he who waters are one, and each will receive his wages according to his labor. For we are God's fellow workers. You are God's field, God's building. According to the grace of God given to me, like a skilled master builder I laid a foundation, and someone else is building upon it. Let each one take care how he builds upon it. For no one can lay a foundation other than that which is laid, which is Jesus Christ. Now if anyone builds on the foundation with gold, silver, precious stones, wood, hay, straw—each one's work will become manifest, for the Day will disclose it, because it will be revealed by fire, and the fire will test what sort of work each one has done. If the work that anyone has built on the foundation survives, he will receive a reward. If anyone's work is burned up, he will suffer loss, though he himself will be saved, but only as through fire. Do you not know that you are God's temple and that God's Spirit dwells in you? If anyone destroys God's temple, God will destroy him. For God's temple is holy, and you are that temple. Let no one deceive himself. If anyone among you thinks that he is wise in this age, let him become a fool that he may become wise. 1 Corinthians 3:7-18

So we are always of good courage. We know that while we are at home in the body we are away from the Lord, for we walk by faith, not by sight. Yes, we are of good courage, and we would rather be away from the body and at home with the Lord. So whether we are at home or away, we make it our aim to please him. For we must all appear before the judgment seat of Christ, so that each one may receive what is due for what he has done in the body, whether good or evil. 2 Corinthians 5:6-10

For the word of God is living and active, sharper than any two-edged sword, piercing to the division of soul and of spirit, of joints and of marrow, and discerning the thoughts and intentions of the heart. And no creature is hidden from his sight, but all are naked and exposed to the eyes of him to whom we must give account. Hebrews 4:12-13

​The crucible is for silver, and the furnace is for gold, and the LORD tests hearts. Proverbs 17:3

“And to the angel of the church in Thyatira write: ‘The words of the Son of God, who has eyes like a flame of fire, and whose feet are like burnished bronze.  “‘I know your works, your love and faith and service and patient endurance, and that your latter works exceed the first. But I have this against you, that you tolerate that woman Jezebel, who calls herself a prophetess and is teaching and seducing my servants to practice sexual immorality and to eat food sacrificed to idols. I gave her time to repent, but she refuses to repent of her sexual immorality. Behold, I will throw her onto a sickbed, and those who commit adultery with her I will throw into great tribulation, unless they repent of her works, and I will strike her children dead. And all the churches will know that I am he who searches mind and heart, and I will give to each of you according to your works. But to the rest of you in Thyatira, who do not hold this teaching, who have not learned what some call the deep things of Satan, to you I say, I do not lay on you any other burden. Only hold fast what you have until I come.  The one who conquers and who keeps my works until the end, to him I will give authority over the nations, and he will rule them with a rod of iron, as when earthen pots are broken in pieces, even as I myself have received authority from my Father. And I will give him the morning star.  He who has an ear, let him hear what the Spirit says to the churches.’ Revelation 2:18-29

And he said to me, “Do not seal up the words of the prophecy of this book, for the time is near. Let the evildoer still do evil, and the filthy still be filthy, and the righteous still do right, and the holy still be holy.” “Behold, I am coming soon, bringing my recompense with me, to repay each one for what he has done.  I am the Alpha and the Omega, the first and the last, the beginning and the end.” Blessed are those who wash their robes, so that they may have the right to the tree of life and that they may enter the city by the gates. Outside are the dogs and sorcerers and the sexually immoral and murderers and idolaters, and everyone who loves and practices falsehood.  “I, Jesus, have sent my angel to testify to you about these things for the churches. I am the root and the descendant of David, the bright morning star.” The Spirit and the Bride say, “Come.” And let the one who hears say, “Come.” And let the one who is thirsty come; let the one who desires take the water of life without price. I warn everyone who hears the words of the prophecy of this book: if anyone adds to them, God will add to him the plagues described in this book, and if anyone takes away from the words of the book of this prophecy, God will take away his share in the tree of life and in the holy city, which are described in this book. He who testifies to these things says, “Surely I am coming soon.” Amen. Come, Lord Jesus! The grace of the Lord Jesus be with all. Amen. Revelation 22:10-21

​Rescue those who are being taken away to death; hold back those who are stumbling to the slaughter. If you say, “Behold, we did not know this,” does not he who weighs the heart perceive it? Does not he who keeps watch over your soul know it, and will he not repay man according to his work? Proverbs 24:11-12

You will repay them, O LORD, according to the work of their hands. Lamentations 3:64

The heart is deceitful above all things, and desperately sick; who can understand it? ​“I the LORD search the heart and test the mind, to give every man according to his ways, according to the fruit of his deeds.” Jeremiah 17:9-10

“Therefore, hear me, you men of understanding: far be it from God that he should do wickedness, and from the Almighty that he should do wrong. For according to the work of a man he will repay him, and according to his ways he will make it befall him. Of a truth, God will not do wickedly, and the Almighty will not pervert justice. Who gave him charge over the earth, and who laid on him the whole world? If he should set his heart to it and gather to himself his spirit and his breath, all flesh would perish together, and man would return to dust. “If you have understanding, hear this; listen to what I say. ​Shall one who hates justice govern? Will you condemn him who is righteous and mighty, who says to a king, ‘Worthless one,’ and to nobles, ‘Wicked man,’ who shows no partiality to princes, nor regards the rich more than the poor, for they are all the work of his hands? In a moment they die; at midnight the people are shaken and pass away, and the mighty are taken away by no human hand. “For his eyes are on the ways of a man, and he sees all his steps. There is no gloom or deep darkness where evildoers may hide themselves. For God has no need to consider a man further, that he should go before God in judgment. He shatters the mighty without investigation and sets others in their place. Thus, knowing their works, he overturns them in the night, and they are crushed. He strikes them for their wickedness in a place for all to see, because they turned aside from following him and had no regard for any of his ways, so that they caused the cry of the poor to come to him, and he heard the cry of the afflicted— When he is quiet, who can condemn? When he hides his face, who can behold him, whether it be a nation or a man?— that a godless man should not reign, that he should not ensnare the people. Job 34:10-30

‘Ah, Lord GOD! It is you who have made the heavens and the earth by your great power and by your outstretched arm! Nothing is too hard for you. You show steadfast love to thousands, but you repay the guilt of fathers to their children after them, O great and mighty God, whose name is the LORD of hosts, great in counsel and mighty in deed, whose eyes are open to all the ways of the children of man, rewarding each one according to his ways and according to the fruit of his deeds.’ Jeremiah 32:17-19

For a man's ways are before the eyes of the LORD, and he ponders all his paths. Proverbs 5:21

​The eyes of the LORD are in every place, keeping watch on the evil and the good. Proverbs 15:3