Do you fear a final judgement?
Not. One. Bit.
You also say:
just do what makes you happy and worry about it when the times comes?
to me, that implies that people will only choose to do bad, selfish things. And I disagree with that.
I too believe in an afterlife, and I believe that we will experience the receiving end of all the things we did to others while alive. Good and bad. Kind and cruel.