JJump, are you saying a saved person can loose their salvation? Is that where you are going?
Depends on what you are talking about LeBuick. Webdog tried to answer this question, but didn't relate exactly what it is that we believe.
A person is body, soul and spirit and not all three are saved at the same time and in the same fashion.
Man is born spiritually dead because of the fall of Adam. However their body and soul are alive and active although corrupt becuase of sin.
Man's spirit is made alive at the very moment a sinner places his/her faith in the substitutionary death and shed blood of Jesus Christ, the Spotless Lamb of God (Acts 16:30-31, Eph. 2:8-9).
At the very moment we are made alive spiritually we are secure for eternal purposes. However Hebrews 4:12 tells us that the spirit and the soul are separated just like light and darkness was separated in Genesis 1. What fellowship does light have with darkness.
Our spirit has been made alive and brought into the Light, but our soul still remains in darkness as does our body.
Our bodies will be saved when we receive our glorified bodies.
Our souls are saved not by works alone as Webdog indicated, but by faith mixed with works as the book of James as well as many of the epistles indicate, along with the Gospel accounts.
Once the spirit has been made alive a person is in a position to understand the spiritual message that is given in Scripture on how the soul is saved.
That's a very brief look at the matter.