"When it is full, the fishermen haul it ashore; then, sitting down, they collect the good ones in a basket and throw away those that are no use. This is how it will be at the end of time: the angels will appear and separate the wicked from the just to throw them into the blazing furnace where there will be weeping and grinding of teeth."Matthew 13:44-52
On the ceiling of the Sistine Chapel, Michelangelo created one of his masterpieces - The Last Judgment. On this fresco, characters are naked which are in stark contrast against medieval artists who tend to paint characters in paintings of the Last Judgment, according to social classes.
Michelangelo certainly portrays a good understanding of the Last Judgment. God does not judge us according to our rank, power and wealth. The naked characters in Michelangelo's fresco symbolizes this - coming before God naked, with nothing for show.
At the end of time, God will come in his glory and judge us according to our merits and our sins. The wealth and honor that we have in this present life certainly would account for nothing in this last hour.
We do not know when this time will come because only God the Father knows. Do not wait to repent because you do not know when you will die. Make use of your present time wisely and pray for the grace to change your bad habits.