Do not lay up for yourselves treasures on Earth, where moth and rust consume and where thieves break in and steal; but lay up for yourselves treasures in Heaven, where neither moth nor rust consumes and where thieves do not break in and steal. For where your treasure is, there will your heart be also.
This is not about saving the goodies for 'an afterlife' ala ancient Egyptian practices (though there's nothing more mysterious about an afterlife than there is about the fact that we're experiencing this life!)
It can't be about 'Racking Up Points With The Old Man,' because as we're told, God already loves us as a father, and gives us what we need.
We don't want to need suffering, except that evidently we sometimes do. But that -- Consider the story of Job -- isn't necessarily a matter of having 'Sinned' or being somehow 'Bad.'
So what is this telling us?