OK, this has gotten out of hand. Let's make this abundantly clear. The path to salvation is in Jesus, through Jesus, and only Jesus. We all have incurred an unpayable debt of death (here and in eternity) by choosing rebellion against God. We are children of rebels who are themselves children of rebels, going all the way back to our earliest parents. Adam and Eve defied God and preferred to be "like God," as they were promised by Satan, rather than to serve and obey God. Ever since that time, we have been at unrelenting war against God.
That war continues to this day and plays out in every single new generation. Every person that is born chooses evil and war against God. Even the people in our society who look to be our moral best, those who behave according to the highest standards of morality, are still at war against God. Scripture says that nobody is righteous [Romans 3:10]. Under that veneer of morality lies a rebellious heart that refuses to submit to God.
We are a race at war against our own Creator.
Enter Jesus.
Jesus, who is God Himself, took on human flesh and lived a life in perfect submission to God the Father in Heaven. He lived the life that was designed for all of us, one of harmony with and obedience to our Heavenly Father. Because of this, His life did not merit the death penalty due all of us who have rebelled against God. Thus, His life was worthy of being a suitable sacrifice on our behalf. He was perfect; therefore, He could pay the debt.
He lays out clearly that what is required of salvation is to look to Him in faith. "...if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved" [Romans 10:9].
Salvation comes when we do just that. Nothing we do can add to that salvation. We have new life in Jesus.
Now, the major mistake that is made is when we accept that beautiful gift, ending our personal war with God, and then go out and continue to live like we are still His enemy. God promises us many things to help us live according to His desires, including a changed heart and mind. He also promises us the power to withstand any temptation that comes our way, should we choose to submit to the leading of the Holy Spirit, who He sends to live within us and guide us.
And yet, we still sin, daily. While we live on this earth, we still inhabit a body of sin, with all of the rebellious desires it has always had. We have a choice, whether to submit to God, to whom we have surrendered, or to continue the way of the rebel.
Some choose the way of the rebel.
When we do that, we take God's message of beautiful grace, humility, mercy and forgiveness, and walk all over it. We thank Him for the grace He gives and the blood He shed, and we stick it in our back pocket like a "get out of jail free" card. Our lives look no different from the outside, and if someone was able to look inside, they'd find that we submit more often to our rebellious desires than to the leading of God's Holy Spirit.
Anyone who shows this pattern of behavior ought to be concerned. Jesus said that we will know a tree by its fruit [Matthew 7]. When you look at a tree with a bunch of pears on it, you can be assured that it is a pear tree. Similarly, when you see a life that looks like the life Jesus calls us to live, and the person living that life is confessing "that Jesus is Lord," we can be fairly assured that they truly believe in their heart "that God raised him from the dead," and therefore, that person is likely saved.
We cannot know this for certain, as only God knows the heart, but Jesus told us to look at the fruit to understand the nature of the tree.
Likewise, if we see a life that bears no fruit of the Spirit, no love, no joy, no peace, no patience, no kindness, no goodness, no faithfulness, no gentleness, no self-control, and yet we hear that person proclaiming "that Jesus is Lord," it should give us pause, because the fruit does not match the type of tree we're expecting. We cannot know for certain, but it is critical for such a person to stop and truly consider whether or not they are in the faith, whether or not they actually believe "that God raised him from the dead."
Such a person, showing no outward fruit, is one of two things:
1. A person who proclaims a Jesus he doesn't actually know
2. A person who knows Jesus yet is walking far from Him
The first person is not saved, and the proper response is the same response it is for all unbelievers. Repent, believe, and call out to Jesus, asking Him to save him.
The second person is saved, but there are dire warnings given to such a person. Paul talks about this in his first letter to the church in Corinth. He uses a metaphor to help us understand. We're all to see ourselves as a building under construction, a temple to hold the glory of God and share it outwardly as a beacon of hope and repentance to the entire world.
The foundation for the building is salvation. Once saved, the call for each of us is to faithfully build upon that foundation, submitting to God so that our lives continue to be shaped more and more into the image of Jesus.
Yet, Paul recognizes that we may also choose to build in an unworthy way, following the pattern described above where we continue to live as rebels, building an ugly building on top of God's perfect foundation of salvation.
What happens to such a builder? Paul tells us:
"You are God's field, God's building.
According to the grace of God given to me, like a skilled master builder I laid a foundation, and someone else is building upon it. Let each one take care how he builds upon it. For no one can lay a foundation other than that which is laid, which is Jesus Christ. Now if anyone builds on the foundation with gold, silver, precious stones, wood, hay, straw— each one's work will become manifest, for the Day will disclose it, because it will be revealed by fire, and the fire will test what sort of work each one has done. If the work that anyone has built on the foundation survives, he will receive a reward. If anyone's work is burned up, he will suffer loss, though he himself will be saved, but only as through fire.
Do you not know that you are God's temple and that God's Spirit dwells in you?" [1 Corinthians 3:9b-16]
If we choose to build poorly by not submitting, we will be saved, but all that we will have done with our lives will be worthless and will burn up. All that will survive the judgment of Jesus will be the foundation itself. Paul says that we will be saved, but only as though we just escaped a burning building.
And that will matter to us in eternity. God is so generous to us. Not only does He offer us free salvation, He promises us rewards for all eternity for following Him. This is not a bribery program; rather, it is a generous God pouring out His love on us.
If we choose to build a life of selfish pursuit rather than submission to the Lord, we bring nothing with us, and our reward will be small.
Now, that's a losing gamble, isn't it? If my life looks unimproved, if there are no fruits that reflect a changed heart, I'm either unsaved or a Christian who is truly wasting his entire life.
Both things are bad. One is obviously far worse, and only you and God know which one you are. If your life looks like you're still at war with God, if you are not living in submission to Him, I would encourage you to repent, throw yourself at Jesus and ask for mercy, submit to Him as Lord, and follow Him.