We too often have a simplistic understanding of sin and judgement. This understanding is true as far as it goes, and is consistent with the teaching of Scripture that a man reaps what he sows. But Scripture also encourages us to think past this point. It is also true that a man reaps while he sows.
Our tendency is to think that if we do thus and such, then at some future date we will receive a recompense. This is true. The Bible teaches that every idle word will be considered in the judgement. It is appointed to man once to die, and after this the judgement for deeds done in the body, whether good or evil.
But the Bible teaches in numerous ways that sin itself is a judgement. In the book of Romans, Paul tells us that the wrath of God is visited upon men by God giving men up (Romans 1.18,24). When he gives them up to their lusts, they run headlong into more sin, and this blind state not only incurs more judgement, it has to be considered a judgement in itself.