Prov. 11:4 Riches won't help on the day of judgment, but right living is a safeguard against death.
The only protection you have against the judgment of God is to live right before Him. You will not be able to offer God anything but the blood of Jesus to avoid His wrath. Justice will prevail. All sin will be punished once and for all. And, the only way you will be able to live right before God is by living in Christ. If Jesus is not in charge of your life, changing you, and imparting His righteousness in you, you don't have any chance at all of living a life that pleases God.
We cannot obey God or be like Him without Christ. The only hope we have is Christ. You cannot earn God's favor, only Christ can do that. The sooner we accept this truth, the better off we will be. Jesus alone satisfies God's justice. He did all that can be done in order for us to be right with God on the cross. We cannot earn God's acceptance. It is by faith alone, accepting Jesus as our Savior and trusting in His atoning work on the cross that saves us.
It is impossible to live right before God apart from a personal relationship with Christ. Only in Christ are we able to have confidence that when we die we will be accepted by God. Life in Christ is eternal life. The only assurance that we have that we will be accepted by God is to live moment-by-moment in Christ. Christ cannot protect you if you wander away from His protective care. It is imperative that we stay closely connected to the Lord, for we do not know when death will come upon us. And, the only way we are going to stay close to God is by maintaining a strong commitment to the disciplines of faith. No one can stay close to the heart of God while neglecting the disciplines of the faith.