[annalex]

We know that the judgment happens after we die. That is about all we know. Heaven is commonly understood as separate from Purgatory, and nothing in the passage on hand suggests otherwise.

[MHGinTN]

Carts and horses come to mind. The catholic magicsteeringthem has aligned some folk's thinking processes such that the truth of what the Word of God declares cannot get "in" without being twisted to support the satanic notion of worthiness for Heaven as a human responsibility. It is however a gift from God, for there is nothing in your behavior now or the future which can add to God making you born from above.

I would ask you, what sin could you commit in the future, after professing belief in Jesus as your needed Savior, that would take God by surprise? When God births your human spirit from Above, His life is put into your human spirit and there is no "sin" which you can thereafter commit which would surprise the One Who knows the end from the beginning. You cannot earn Salvation and you cannot buy it on the installment plan of catholic troddery. The twisted reasoning of carts before horses is familiar. The Bible records ol' Nicodemus doing the same thing in John 3.