We were redeemed by Jesus’ sacrafice. We have to work out our salvation until we die. Someone I know once put it this way

rather crude explanation but it gets the point across) We’re given a coupon, it’s up to us to cash it in.
Greetings in Christ, Getysbg
I agree with you. “We have to work out our salvation until we die.”
We have to be very careful about the way we understand Phil.2:12-15, because if we understand it the right way and we work on it, that brings God’s blessings and supernatural rewards. – Rewards of course CANNOT be salvation. That is God’s gift for us. Can be rewards IN heaven, but can NEVER be reward OF heaven.
RIGHT UNDERSTANDING OF PHIL.2:12-15
Work out our sanctification – growth in likeness to Christ, (as already saved) this is STRICTLY the fruits of our salvation, NOT the cause of it.
We have been saved by (formed) FAITH ALONE, or if someone prefer another formula “BY GRACE ALONE, SOLELY BY CHRIST’S MERIT ON THE CROSS.
The meaning of both formula EXACTLY the same.
Sola fide formata = (formed) FAITH ALONE
THE COMPOSITE OF GOD’S GIFT OF FAITH:
a. BELIEF …… (Unconditional BELIEF in what God says.)
b. HOPE ……. (Unconditional TRUST in God.)
c. CHARITY … (Unconditional LOVE for God.)
d. BAPTISM OF DESIRE.
This formed faith produces INSTANT SALVATION without water baptism and without sacraments, [CCC 1249]; Acts 10:44-46. Our official doctrine of salvation: “Salvation by grace alone, solely on account of the work of Christ, or (formed) faith alone.” Period. Anything added to faith contradicts [CCC1249]; Acts 10:44-46, and takes away God’s Glory!
God’s free gift of faith is formed faith, at that moment when God gives it to a person, THAT IS THE MOMENT, WHEN THAT PERSON IS SAVED. From that point on, every good work of a saved is the fruit of salvation NOT the cause of it.
WRONG UNDERSTANDING OF PHIL.2:12-15
Christ’s merit on the cross, God’s grace or His gift of (formed) faith alone is not sufficient for our salvation. We have to work for it as well, or another version of it, but just as DEADLY, if we DON’T WORK we are condemned.
Both version of the above DECEPTIONS DESTROYS our WORK and our FAITH. – Without faith there is NO salvation.
TO BELIEVE: WORK IS NOT A CONDITION OF OUR SALVATION PRECEDES SUPERNATURAL MERIT!!!
The Catholic Church clearly teaches: ONLY those works can be done for the GLORY OF GOD which done FREELY, WITHOUT any EXTERNAL COERCION or INTERNAL NECESSITY.
Why is it deadly if we work for the reason to GET or KEEP our salvation?
We have no faith in the teaching of the Catholic Church that We have been saved “BY GRACE ALONE, SOLELY BY CHRIST’S MERIT ON THE CROSS,” or if someone prefer another formula (formed) FAITH ALONE.
If we believe, work is condition of our salvation, then all our works go up in smoke at the judgment of 1 Cor.3:11-15, because ALL OUR WORK energized by the SPIRIT OF SLAVERY and DECEPTION.
JOINT DECLARATION ON THE DOCTRINE OF JUSTIFICATION by the Lutheran World Federation and the Catholic Church
3/15. “… Together we confess: By GRACE ALONE, in faith in Christ’s SAVING work and not because of any merit on our part, we are accepted by God and receive the Holy Spirit, who renews our hearts while equipping and calling us to good works.
3/16. … Through CHRIST ALONE are we justified, when we receive this salvation in faith. Faith is itself God’s gift.
3/17. We also share the conviction that the message of JUSTIFICATION direct us in a special way towards THE HEART OF THE NEW TESTAMENT witness to God’s saving action in Christ: … as a GIFT and we receive in FAITH, and NEVER can merit in any way.
4/25 We confess together that sinners are justified by FAITH in the saving action of God in Christ. Whatever in the justified PRECEDES or FOLLOWS the free gift of faith is NEITHER the basis of justification NOR MERITS it. (Emphasis mine.)
With love in Christ,
LH