Sorry DC. But from what I read on this thread 99% are saying this.
Seems that many argue from eternal security side but say ," It is really not by works, but you WILL have works. And if not. you really were not saved." Making it(salvation) BY WORKS.
Our works and service is to glorify Christ. Our belief/trust in Christ is for salvation.
Many,many,many believers STOP on START and live a life of divine discipline and worthless works. Still saved though.
A believer SHOULD have works and SHOULD Glorify Christ. Many do not. But they are still saved.