Some People think that it is enough to confess our sins just before we leave this life, although we need some time to repent as its required ...
“True repentance is not only sorrow for sins and humble penitence and contrition before God, but turning away from them, a discontinuance of all evil practices and deeds, a thorough reformation of life, a vital change from evil to good, from vice to virtue. Not only so, but to make restitution so far as is possible for all the wrongs that we have done, to pay our debts and restore to God and man their rights, that which is due them from us. This is true repentance and the exercise of the will and all the powers of body and mind is demanded to complete this glorious work of repentance.” -- President Spencer W. Kimball