1 Peter 4: 17-18

17 For it is time for judgment to begin with the household of God; and if it begins with us first, what will be the outcome for those who do not obey the gospel of God? 18 AND IF IT IS WITH DIFFICULTY THAT THE RIGHTEOUS IS SAVED, WHAT WILL BECOME OF THE GODLESS MAN AND THE SINNER?

The Christian is certainly judged for all that he does through suffering to make him stronger and pure, but God will not bring condemnation on him; for there is no condemnation on those in Christ (Rom. 8:1). But to those who do not obey the gospel, the “wrath of God abides on him” (Jn. 3:36).

As for verse 18, that the righteous are saved with difficulty, I think this is referring to all of the Christian’s efforts that will never be good enough. Yet he will be saved only by the grace of God through the righteousness of Christ.

Going on in verse 18, if none of the believer’s works are good enough, the godless man will most certainly not be saved; for if he does not believe in Christ, His grace and His blood will not cover his sins.