Are you for real?
That means you will have NOTHING to show for the time you were saved, other than having once believed in Jesus Christ..
Never having glorified Christ whom you will then love so much, it will hurt in shame to know that you selfishly chose to do
things your own way in preference to how He wanted it to be done.
If it is burned up, the builder will suffer loss but yet will be savedNo rewards.
—even though only as one escaping through the flames.
1 Corinthians 3:15
No, having pleased the Lord with your life by right thinking with God's Word.
You can have it...
But that isn't what you said originally. Originally, you said we will all NEED to build with gold, silver, precious stones. Certainly not needed for the salvation of one's soul! What happens, for example, to someone who comes to saving faith in Christ and shortly thereafter dies? Take the thief on the cross, as an example? When do such people get a chance to build with gold, silver or precious stones?