God accounts Jesus perfect life of obedience to our record. We are covered by His flawless righteousness. The wise man builds his house on the rock, hears the word, and falls in love with Jesus, and so- does all he can to please his Saviour by doing those things that make Jesus happy. If we wish to be wise we will seek the Rock. To find it requires some real effort.
Superficial religion is worthless.
We must dig deep to find eternal life in Jesus. Build on the Rock, Christ Jesus. There you must avoid the sand bed, hunt for the rock, DIG deep, lay your foundation sure. Build with tears and heart felt prayers. Some day our health will break, or our hard earned money will vanish.