Dear Tealblue,
Sometimes it is difficult to talk to someone who asks, “Are you saved?”, because they are coming from a closed mindset and their entire theology is based on a single biblical verse, to which one word was added during the protestant reformation. I am talking about the verse in Romans which deals with justification. 1st, justification and salvation are not synonymous. Justification means I am able to be saved, Salvation means I am saved. The word I refer to is their belief in justification by faith alone The word alone is not found in any Catholic Bible, only in the one used by Protestants. If all we had to do was to profess Jesus as our lord and savior to be saved, why then would St Paul in his Epistle to the Philippians say in Chapter 2:12, "So then my dearly beloved, obedient as always to my urging, work with anxious concern to achieve your salvation…" This alone tells us that more is needed than acknowledging Jesus… It involves an entire change in life style to live out the Gospel in our daily lives. Just this alone tells us that salvation is a process, not an event.
Try using this on those who approach you and say, Are, you saved? Answer, “According to St. Paul whom you rely on, I am working out my salvation with anxious concern.” Some translations say, “…with fear and trembling.” Most have no come back to this, especially when you quote chapter and verse. Hope this helps. With continued prayers.
Deacon Ed B