I’ve heard both sides of the argument, and only God truly knows a person’s heart, but I can share a few thoughts. One thing is for certain: Salvation is a gift from God that cannot be earned.
One school of thought suggests that salvation cannot be lost, as in losing your car keys, but that it can be left, as in walking away from it. This may be why Jesus spoke of the man who said in his “heart”: My master delays His coming; therefore, I will turn from living a godly life. When the master returned unexpectedly, the servant was banished because he chose to turn from what he knew to be right. In another passage, Jesus said, “You have left your first love,” when speaking to the church in Ephesus (Revelation 2:4). James 5:19-20 adds: If anyone wanders from the truth and someone turns him back, a soul is saved from death. If anything, these Scriptures, and many more, reinforce the fact that we have certain responsibilities. We should never turn from what we know to be right. Jesus encouraged His followers to be watchful, prepared, and ready for His return. Are we watchful? Are we prepared? Are we ready? (See Matthew 24:45-51; Luke 21:34.)