Problem:"For what is a man profited, if he shall gain the whole world, and lose his own soul? or what shall a man give in exchange for his soul?" - Matthew 16:26 KJV
Solution:"For God so loved the world, that he gave his only begotten Son, that whosoever BELIEVETH IN HIM should not perish but have everlasting life." - John 3:16 KJV
Don't wait! Understand (hence believe) in Jesus Christ today. It really is that simple.