THE WAGES OF SIN IS DEATH BUT THE GIFT OF GOD IS ETERNAL LIFE!
Romans 6:22-23 (NIV) says “But now that you have been set free from sin and have become slaves of God, the benefit you reap leads to holiness, and the result is eternal life. For the wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord.”
It is impossible to be neutral. Every person has a master – either sin or God. A Christian is not someone who cannot sin, but someone who is no longer a slave to sin. He or she belongs to God.
During your lifetime, you are free to choose between sin or God, but you are not free to manipulate the consequences of your choice. Each of these two masters pays with his own kind of wages.
THE WAGES (PAYOFF) OF SIN IS DEATH!
One thing I want to add to what you said in your post. We must be obedient to God's word the Bible and follow Jesus example he left for us while on earth before his death. When we are faithful and obedient to God's word then we shall have eternal life in a paradise on earth.