Welcome to the boards Tusk. First, Matthew 25:46 states that the righteous go into life eternal, and one is not made righteous through works (the law), but made righteous through faith:
"And be found in him, not having mine own righteousness, which is of the law, but that which is through the faith of Christ, the righteousness which is of God by faith:" (Philippians 3:9)
They are people who performed good works because they were saved, not to be saved.
Second, you ask 'why do we need saving', however in your profile you state that you were born again on January 14, 2001. This presupposes two points: Either you're baiting for a debate, or you're not really saved. If the first, seek someone besides me, debate is unrighteous (Romans 1:29). If the latter, please read the very first post of this topic. It, and the two posts following will answer all your questions.
Here's today's Scripture offering...
For the Son of man shall come in the glory of his Father with his angels; and then he shall reward every man according to his works. (Matthew 16:27)