Which Bible are you reading? The rich young man asks Jesus what good thing he must do to get to Heaven and the very first thing Jesus says to him is, “If you would enter life, keep the commandments” (Matt 19:17) … quite clearly, Jesus is preaching that good behaviour (ie, keeping the commandments) is a necessary condition for eternal salvation.
What Jesus is preaching is salvation through faith and works – Jesus tells the rich young man to keep the commandments (works) and to overcome his love of money (works) and then tells him to “follow me” (faith).
As for, “and effective only at the end of life” …
Really? If you are already “saved”, why does Jesus say, “he who endures TO THE END will be saved” (Matt 24:13)?
Why does Paul say he will receive eternal life only after he has “finished the race” at the end of his life (2Tim 4:7)?
Hebrews 10:6 says, ”let us run with perseverance the race that is set before us”. What is the “race” that we must persevere with?
If you are already saved, how do you make sense of this verse?:”For you have need of endurance, that you may do the will of God and receive what is promised” (Heb 10:36).
If a believer falls away and becomes an unrepentant serial killer, for example, is he still “saved”? If a believer falls away and becomes an unrepentant atheist, he is still saved?
Sort of, but not quite. Salvation is the forgiveness of sins, and is the first step on the road to eternal life. When a believer receives faith and is baptized, his past sins are forgiven, but this doesn’t mean he also receives an irrevocable ticket to Heaven – rather, he receives a promise of Heaven, and the promise is conditional.
Furthermore, the promise of eternal life through the forgiveness of sins can be lost, as is obvious from Scripture. For example, Paul warns believers in Gal 5 and 1Cor 6 that their sins can result in them not inheriting the kingdom of God; Jesus denies eternal life to certain believers who became “evildoers” in Matt 7:21-21.
If a baptized believer loses his faith and becomes an atheist, for example, will he still be granted eternal life?
Eternal life is granted only after we die and are judged “worthy” (Rev 3:4) by Christ; it is the reward a believer receives as a result of abiding in Christ unto death, which entails not only faith, but striving for holiness (Heb 12:14), which is striving to keep the commandments (“He who says ‘I know him’ but disobeys his commandments is a liar and the truth is not in him” – 1John 2:3-6).
To claim that you already have your ticket to Heaven is not only unscriptural and blasphemous, it’s also irrational and devoid of common sense.
What does “believe on Jesus Christ” mean, according to you?
I agree. But receiving the gifts faith and the Holy Spirit is only the first step – it doesn’t mean you are instantly given an irrevocable ticket to Heaven.
In fact, the gift of the Holy Spirit can be withdrawn and lost – it is conditional and abiding in Christ and living a holy life, as explained above.
What do you think “faith without works is dead” means?
And while you’re at it, what do you think James 2:24 means? - “a man is justified by works and not by faith alone.” What are these “works” that are necessary to be justified in the eyes of God?