Man outside of Christ is in deep spiritual debt because of sin. This debt that we have inherited is more than we can pay. Unlike a home mortgage, there can be no debt restructuring plan, but there are three very important steps we can take to be debt free.
The choice is yours, and the latch is on your side of the door. You may choose the rat race of seeking happiness and success, or the rest of soul that comes from knowing Jesus. But God has set a day when you will be in His hands, and what will He do with you in that day?
When the Holy Spirit quietly moves in the heart of a repentant sinner and changes him into a son of God we call it the new birth. It is a marvelous work of grace that humanly cannot be explained but that must take place if you want to reach Heaven.