There is a song on the radio right now that sings, "in the end it's not about what you did, it's not about what you had, it's how you lived." I think that goes along with what the bible says about not earning your way into heaven with good works/deeds. Some people think they can buy their way into God's grace but nothing opens those pearly gates like the way you conducted your life. Now, none of us are perfect. Some of us come to God late in life, broken and so full of history that we might wonder how God could ever love us---but He does! The first time you ask for forgiveness it is given. You don't have beg for it or keep asking repeatedly for it, it's given the first moment you ask.
We know that but do we believe that? Or do we hold onto our guilt, thinking on some subsconscious level we are unlovable? If we do, we may indeed try to earn our way into heaven. If we still don't understand what Calvary was all about we may try to buy our way there. None of that will work of course. In the end we will be judged by our hearts and how we lived our short lives on earth no matter when our salvation began. Whether we were saved at 5, 20, 35, 50 or 70 our living the Word begins the day we asked Jesus into our lives as our Lord and Savior.
So, each day let's go about our lives, living them each moment as if it may be our last and all the while basking in God's love for us.