There are those with a more Armenian view here.
Heb 4:3; For we who have believed enter that rest, just as He has said, "AS I SWORE IN MY WRATH, THEY SHALL NOT ENTER MY REST," although His works were finished from the foundation of the world.
Even though Jesus's works are finished, ours are not.
God has given us the ability to do things for His kingdom, those who do not will answer.
Matt 25:14; "For it is just like a man about to go on a journey, who called his own slaves and entrusted his possessions to them.
Matt 25:15; "To one he gave five talents, to another, two, and to another, one, each according to his own ability; and he went on his journey.
Matt 25:16; "Immediately the one who had received the five talents went and traded with them, and gained five more talents.
Matt 25:17; "In the same manner the one who had received the two talents gained two more.
Matt 25:18; "But he who received the one talent went away, and dug a hole in the ground and hid his master's money.
Matt 25:19; "Now after a long time the master of those slaves *came and *settled accounts with them.
Matt 25:20; "The one who had received the five talents came up and brought five more talents, saying, 'Master, you entrusted five talents to me. See, I have gained five more talents.'
Matt 25:21; "His master said to him, 'Well done, good and faithful slave. You were faithful with a few things, I will put you in charge of many things; enter into the joy of your master.'
Matt 25:22; "Also the one who had received the two talents came up and said, 'Master, you entrusted two talents to me. See, I have gained two more talents.'
Matt 25:23; "His master said to him, 'Well done, good and faithful slave. You were faithful with a few things, I will put you in charge of many things; enter into the joy of your master.'
Matt 25:24; "And the one also who had received the one talent came up and said, 'Master, I knew you to be a hard man, reaping where you did not sow and gathering where you scattered no seed.
Matt 25:25; 'And I was afraid, and went away and hid your talent in the ground. See, you have what is yours.'
Matt 25:26; "But his master answered and said to him, 'You wicked, lazy slave, you knew that I reap where I did not sow and gather where I scattered no seed.
Matt 25:27; 'Then you ought to have put my money in the bank, and on my arrival I would have received my money back with interest.
Matt 25:28; 'Therefore take away the talent from him, and give it to the one who has the ten talents.'
Matt 25:29; "For to everyone who has, more shall be given, and he will have an abundance; but from the one who does not have, even what he does have shall be taken away.
Matt 25:30; "Throw out the worthless slave into the outer darkness; in that place there will be weeping and gnashing of teeth.
As far as "all you have to do is believe in Jesus"...
Jas 2:19; You believe that God is one. You do well; the demons also believe, and shudder.
even the demons believe.
Jesus said if you wish to enter into eternal life.... try to keep the commandments.
Matt 19:17; And He said to him, "Why are you asking Me about what is good? There is only One who is good; but if you wish to enter into life, keep the commandments."