I am JUSTIFIED, right now, by faith apart from works. And so in that sense I am saved right now.
I will be saved from destruction when Jesus comes back when he sees the evidence of that faith, my spiritual works. Works of kindness, works of love, works of patience, and so on. No works means I will not be saved from God's wrath when Jesus returns because no works shows I am not justified apart from works by faith. Understand?
I know this is probably new teaching to you. It is to most Christians because the church is in a horrible state of apostasy right now. We ourselves are but a few years old. But the church has been around for almost 2000 years. History shows us it has changed a lot in that time. It has been puffed up with the leaven of bad teaching. It's been working it's way through the whole lump for quite a while now. We are living in the end times apostasy just before Christ returns. I understand it if you can't grasp that just yet. But it's really true.