I said
Not so. Saved is by grace. Salvation must be worked for.
Phil 2:12-13
12 Therefore, my beloved, as you have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling;
13 for it is God who works in you both to will and to do for His good pleasure.
(NKJ)
The Relation Between Past, Present, and Future Salvation
"Obviously, the three tenses of salvation are closely related. Future salvation will come only to those who have experienced past and present salvation in this life. Those who are saved in the present have full assurance of salvation in the future. However, a one-time past experience does not automatically guarantee future salvation. We are responsible for keeping our salvation until the end. Just as we have received past salvation through faith in Jesus, we will receive future salvation only if we continue to live by faith in Jesus. We can forfeit our present salvation and our promise of future salvation by a voluntary return to sin and unbelief. The link between past and future salvation is continuance in present salvation.
Many scriptural passages emphasize this truth. Jesus taught the absolute necessity of abiding in Him and keeping His commandments (John 15:1-14). He said, "He that endureth to the end shall be saved" (Matthew 10:22). "Whosoever believeth in him should not perish, but have everlasting life" (John 3:16). In this last verse, "believeth" is in the present tense, implying that continued present belief is necessary.
Likewise, Paul said the gospel of Christ is "the power of God unto salvation to every one that believeth… For therein is the righteousness of God revealed from faith to faith: as it is written, The just shall live by faith" (Romans 1:16-17). Salvation will come to those who move from faith to faith, to those who continue to live by faith.
Paul also stated, "Work out your own salvation with fear and trembling" (Philippians 2:12). This does not mean we can save ourselves by our own plan or earn our own salvation. Rather, it means we must consciously abide in and keep our salvation. We should view salvation with awe and respect, realizing we can lose it if we do not value it. We should be watchful of Satan's tricks and timid of doing evil.
Many other verses give similar admonitions. "Take heed unto thyself, and unto the doctrine; continue in them: for in doing this thou shalt both save thyself, and them that hear thee" (I Timothy 4:16). "Behold therefore the goodness and severity of God: on them which fell, severity; but toward thee, goodness, if thou continue in his goodness: otherwise thou also shalt be cut off" (Romans 11:22). "I declare unto you the gospel… By which also ye are saved, if ye keep in memory what I have preached unto you, unless ye have believed in vain" (I Corinthians 15:1-2). Many other passages teach that we can lose salvation through unbelief and disobedience. (Galatians 5:4; I Timothy 5:12; Hebrews 12:14-15; James 5:19-20; II Peter 1:10; 2:1; 2:20-21; Revelation 3:5).
In short, we have not yet received all the eternal benefits of salvation, and therefore our future salvation is still a hope. "We are saved by hope," and we have "the hope of salvation" (Romans 8:24; I Thessalonians 5:8). The hope of future salvation is more than a mere wish, however, for we have the promise and assurance of salvation if we continue to walk in the gospel. The one way to obtain eternal salvation is to find present salvation from sin in this life." (David K Bernard,
The New Birth)