It's interesting. There are people who wonder what the point of life on Earth is if the afterlife is eternal. What is the point?
The POINT is that life on Earth is a test. Some people get harder tests than others. But how hard the test is, is probably the opposite of what you think.
The "easier" your life is, and the more money you have access to over the course of your life, the harder the test is. The people who grew up in poverty and those whose lives were exceedingly difficult- THOSE PEOPLE had a relatively easy exam. All they had to do, basically, was not become real assholes later in life. Those who had access to lots of money and never were in real need, THOSE PEOPLE HAD A REALLY HARD TEST. If you have an abundance all your life, how you treated people who were really poor is very relevant (amongst other sin issues).
I'm telling you now- be aware that if you are independently wealthy, that what qualifies as a "passing grade" will be quite different than someone who grew up in poverty. God doesn't take hoarding sitting down. God gives a shit about suffering in the world and what you choose to do with your wealth is important.
Everyone should take their exam seriously. Judgment will be fair in the end. No one will get away with being shitty. Justice comes to everyone. Be aware that God is paying attention to how you spend your money and whether you care for those in need. God gives a shit about the poor, the homeless, the people with terminal illnesses... God gives a shit about those who were dealt a rotten hand. Take care about how you manage your money and what you think about God's precepts. They matter. God doesn't take sex outside of marriage lying down either. God gives a shit about how you spend your time. Live wisely.