Why should i?

why should i spend my entire life living by what the bible says is right if i really only need to accept jesus as my lord and personal savior before i die? i'm already a good person and treat people a lot better than people treated other people in the bible, so i don't have to worry about going to hell from having an evil heart. i figure i'll accept pascal's wager about 5 minutes before dying and jesus won't have any choice but to let me into heaven. is there any reason i shouldn't my life this way?