Christians, is it judgmental to say that....?

I don't understand why people make this so complicated. To get to Heaven (God's dwelling place) you MUST be Holy. And we are not. So, how do we get there? God made it quite simple. Sent Jesus to die in out place so all we must do is believe in Him and be saved. Instructions are right there in the Bible. And then, live what you claim. I hear to many people claim to be one thing but don't live there life as they say. God knows the heart and therefore is the only one to judge it accordingly.