Temporal punishments are suffered by some in this life only, by some after death, by some both here and hereafter, but all of them before that last and strictest judgment. But not all who suffer temporal punishments after death will come to eternal punishments, which are to follow after that judgment.
I think one of the defining moments of adulthood is the realization that nobody's going to take care of you. That you have to do the heavy lifting while you're here. And when you don't, well, you suffer the consequences.
Just know what is happening in your mind - not happy or sad about it, not attached. If you suffer see it, know it, and be empty. It's like a letter - you have to open it before you can know what's in it.
They say that “Time assuages” - Time never did assuage - An actual suffering strengthens As Sinews do, with age - Time is a Test of Trouble - But not a Remedy - If such it prove, it prove too There was no Malady
Most successes are unhappy. That's why they are successes - they have to reassure themselves about themselves by achieving something that the world will notice.