Heaven on earth or hell on earth

I don't think Heaven is on earth I feel as though hell is. The struggles that we as humans go through everyday as it pertains to illnesses, financial difficulties and things happening that uproots your life is like a punishment  for something we did in the past. If this is not hell I would REALLY hate to see what it really is. I urge you to live right by God, treat everyone with a kind heart, follow the commandments and pray.