Often times we tend to point back to a time in which we were saved. I prayed the sinner's prayer when I was just eight years old and that's how I know I was saved. But salvation has three aspects to it; we were saved, we are being saved, and we will be saved. It is the being saved that is the most difficult for people as it causes many to worry if they can or have lost their salvation. It is here that Christ calls us to believing loyalty (with fear and trembling work out your salvation).