There is NO such thing as "initial salvation" in the Bible.
Note that the ideas of initial salvation and ultimate salvation do not have to be explicitly referred to in the Bible as "initial salvation" and "ultimate salvation" for them to be true and supported by the Bible, just as, for example, the ideas of the unity of God and the Trinity do not have to be explicitly referred to in the Bible as "the unity" and "the Trinity" for them to be true and supported by the Bible (John 10:30, John 1:1,14, Isaiah 45:5, Matthew 28:19, Acts 5:3-4).
For in the Bible, the difference between initial salvation and ultimate salvation is that initial salvation is by grace through faith in Jesus Christ without any works at all on our part (Romans 4:1-5, Ephesians 2:8-9, Titus 3:5; 2 Timothy 1:9), while other passages show that Christians must have both faith and continued works of faith (1 Thessalonians 1:3, Galatians 5:6b, Titus 3:8) (not works of the letter of the Old Covenant Mosaic law), if they are to obtain ultimate salvation (Romans 2:6-8, James 2:24, Matthew 7:21, Matthew 25:26,30, Philippians 2:12b, Philippians 3:11-14; 2 Corinthians 5:9, Hebrews 5:9, Hebrews 6:10-12; 2 Peter 1:10-11, John 15:2a; 1 John 2:17b). For Christians must continue to do righteous deeds if they are to continue to be righteous (1 John 3:7, James 2:24,26). And there is no assurance that Christians will choose to do that, instead of wrongly employing their free will to become utterly lazy without repentance, to the ultimate loss of their salvation (Matthew 25:26,30, John 15:2a).
Also, in the Bible, the difference between initial salvation and ultimate salvation is that initial salvation is the salvation which Christians have now (Ephesians 2:5), in their mortal bodies, while ultimate salvation is the salvation ready to be revealed in the last time (1 Peter 1:5), and which is always drawing nearer (Romans 13:11), that salvation which Christians are still hoping for (1 Thessalonians 5:8, Romans 8:23-25, Mark 10:30), and which Jesus Christ will bring to obedient Christians at His future, Second Coming (Hebrews 9:28, Hebrews 5:9), when He will resurrect (if dead) or change (if alive) their mortal physical bodies into immortal physical bodies just like the immortal physical body which Jesus obtained at His resurrection on the third day after His death (Luke 24:39,46; 1 Corinthians 15:3-4,21-23,51-53, Philippians 3:21, Romans 8:23-25, Philippians 3:11-14).
Initial salvation, being born again (John 3:3,7; 1 Peter 1:23-25; 1 Peter 2:2), is both present salvation and a contract for ultimate salvation, just as the birth of an infant is both present life and a contract for life as an adult. Just as children can know that they are actually alive, so initially saved people (that is, Christians) can know that they are actually saved (1 John 5:13; 1 Corinthians 15:1-4). And just as an infant cannot "give back" his being born, or become unborn, so a born-again person cannot become un-born-again, or "give back" his being born again, his being initially saved. But just as there is no assurance that children will reach adulthood, so there is no assurance that initially saved people will obtain ultimate salvation. For just as there are conditions placed on children, like not running into traffic, and not drinking the Drano under the sink, if they are to reach adulthood, so there are conditions placed on the born-again, the initially saved, if they are to obtain ultimate salvation (Romans 2:6-8, Hebrews 3:6,14; 1 Corinthians 9:27).
So you are a follower of the twelve and not of Paul (as Paul follows Christ)?
I follow them all, for they all follow Christ (1 John 1:1-3).
Which tribe are you? James 1:1
Naphtali.
Regarding James 1:1, note that it is addressing "the twelve tribes" (James 1:1), which is the same as addressing people in the Church (James 5:14), people with faith in Jesus Christ (James 2:1, James 1:3) (that is, Christians), people who have been born again (James 1:18, cf. 1 Peter 1:23), who are waiting for Jesus to return (James 5:7).
Just as the Gentile Ruth (a genetic forbear of Israel's Messiah: Matthew 1:5-16, Luke 3:23-32) could say to the Israelite Naomi: "thy people shall be my people, and thy God my God" (Ruth 1:16), so Gentiles in the Church have been grafted into Israel (Romans 11:17,24, Ephesians 2:12,19, Galatians 3:29).
That is, all Jews in the Church remain members of whichever tribe of Israel they were born into (Romans 11:1, Acts 4:36). And all Gentiles in the Church have been grafted by God into Israel (Romans 11:17,24, Ephesians 2:12,19, Galatians 3:29), and so have been grafted by God into its various tribes (cf. Ezekiel 47:21-23). So the entire Church is the twelve tribes of Israel (Revelation 21:9,12; 1 Peter 2:9-10). This is necessary, for all those in the Church are saved only by the New Covenant (Matthew 26:28; 1 Corinthians 11:25; 2 Corinthians 3:6, Hebrews 9:15) which God has made only with Israel (Jeremiah 31:31-34, John 4:22b). John 10:16 refers to the "other sheep" of Gentile Christians being brought into "this fold" of Israel, which is the "one fold" of the Church (1 Corinthians 12:13, Ephesians 4:4-6, Revelation 21:9,12). A Gentile Christian can pray and ask which tribe of Israel he has been grafted into by God, and he will receive an answer if he asks in faith (cf. Matthew 21:22) without any wavering (cf. James 1:6-7).
Also, all those in the Church, whether Jews (Acts 22:3) or Gentiles (Romans 16:4b), have become spiritually-circumcised Jews if they have undergone the spiritual circumcision of water-immersion (burial) baptism into Jesus Christ (Romans 2:29, Philippians 3:3, Colossians 2:11-13).
Matthew and John are NOT preaching the gospel of the grace of God as was Paul.
Of course they are (Matthew 26:28, John 1:16), for there is no other Gospel (Galatians 1:6-9).
You believe that you can earn what the Lord gives freely. Romans 3:24.
No, but ultimate justification does require works (James 2:24).
On their own, Christians are not good enough to earn their salvation (Romans 3:10). But if they continue to abide in Jesus Christ (John 15:4-6), they can become good enough to earn their ultimate salvation (Matthew 25:21, Romans 2:6-7, James 2:24, Philippians 2:12b; 2 Corinthians 5:9). For while Christians cannot do good apart from continuing to abide in Jesus (Romans 3:12, John 15:5b), if they do continue to abide in Him, they can do good (John 15:5, John 5:29, Philippians 2:12-13; 1 Timothy 6:18; 1 Peter 3:11; 3 John 1:11, Galatians 6:10, Ephesians 6:8, Hebrews 13:16, Luke 6:35).
Also, Jesus has made it possible for Christians not to sin (John 8:34-36, Romans 8:2-14, Romans 6:1-23; 2 Corinthians 7:1), even when they are tempted to do so (2 Peter 2:9a; 1 Corinthians 10:13; 1 Corinthians 9:27, Romans 8:13, Galatians 5:16). So they can become perfectly holy before God (2 Corinthians 7:1, Romans 6:22, Hebrews 12:14; 1 Thessalonians 4:7, Ephesians 4:24). And Jesus has made it possible for Christians to repent and confess their sins to God, and be completely forgiven, if they nonetheless wrongly employ their free will to commit a sin (1 John 1:9). They will lose their salvation ultimately only if they continue in a sin without repentance (Hebrews 10:26-29; 1 Corinthians 9:27, Luke 12:45-46).