בכל־עת יהיו בגדיך לבנים ושמן על־ראשך אל־יחסר
For a person who stumbles occasionally there are three options.
1) Enjoy this world and get punished for the transgressions in the World to Come. (Before choosing this option please review Kav HaYoshor description of Gehenom.)
2) Endure punishment in this world and enjoy the World to Come.
3) Do Cheshbon Hanefesh and repent every day. Besides of saving yourself from punishment you’ll be free and clean and enjoy closeness to Hashem.