The Hereafter's loss is heavier and lasts longer.
Weighing now against later
Allah says this is how He repays the one who transgresses and does not believe in His signs. Ibn Kathir cites the Prophet ﷺ: the punishment of this world is lighter than the punishment of the Hereafter. The warning is meant to steer choices now.
You hide a mistake at work to avoid embarrassment, knowing it hurts someone. Owning up costs you a bad afternoon. A hard moment here is lighter than carrying it there.
Avoiding embarrassment now is worth almost anything.
A loss in this world is small next to what lasts. I can choose the lighter cost.
Own up today to one small thing you have been hiding to save face.