There are many people who declare themselves saved ... I wonder how that can be, if everyone's judgment has not yet arrived.
Nobody is saved just for believing; that is a myth. It is evident that those in Mat.7:21-23 believed they were saved ... but they were not.
Nobody can loose something they don't have yet. If people believe in Jesus with all the faith of the world and keep sinning without any kind of "remorse", they won't be saved AT ALL of what is coming. It is not only at these days when people talk the same way ... it happened in the first century too, and this is what was told about them:
1Pe 2:11 (ESV) Beloved, I urge you as sojourners and exiles to abstain from the passions of the flesh, which wage war against your soul.
12 Keep your conduct among the Gentiles honorable, so that when they speak against you as evildoers, they may see your good deeds and glorify God on the day of visitation.
13 Be subject for the Lord's sake to every human institution, whether it be to the emperor as supreme,
14 or to governors as sent by him to punish those who do evil and to praise those who do good.
15 For this is the will of God, that by doing good you should put to silence the ignorance of foolish people.
16 Live as people who are free, not using your freedom as a cover-up for evil, but living as servants of God.
17 Honor everyone. Love the brotherhood. Fear God. Honor the emperor.
18 Servants, be subject to your masters with all respect, not only to the good and gentle but also to the unjust.
19 For this is a gracious thing, when, mindful of God, one endures sorrows while suffering unjustly.
20 For what credit is it if, when you sin and are beaten for it, you endure? But if when you do good and suffer for it you endure, this is a gracious thing in the sight of God.
21 For to this you have been called, because Christ also suffered for you, leaving you an example, so that you might follow in his steps.
22 He committed no sin, neither was deceit found in his mouth.
23 When he was reviled, he did not revile in return; when he suffered, he did not threaten, but continued entrusting himself to him who judges justly.
24 He himself bore our sins in his body on the tree, that we might die to sin and live to righteousness. By his wounds you have been healed.
25 For you were straying like sheep, but have now returned to the Shepherd and Overseer of your souls.
Gal 5:13 For you were called to freedom, brothers. Only do not use your freedom as an opportunity for the flesh, but through love serve one another.
14 For the whole law is fulfilled in one word: "You shall love your neighbor as yourself."
15 But if you bite and devour one another, watch out that you are not consumed by one another.
16 But I say, walk by the Spirit, and you will not gratify the desires of the flesh.
17 For the desires of the flesh are against the Spirit, and the desires of the Spirit are against the flesh, for these are opposed to each other, to keep you from doing the things you want to do.
18 But if you are led by the Spirit, you are not under the law.
Nobody is justified by works, BUT nobody will be saved without works. Salvation is not something anyone can have, cause we are not the ones who are saving anybody, or ourselves ... It is going to be Jesus who will keep the loyal ones safe. When someone is really being led by spirit, they will not be practicing sins ... and their good behavior counts as works. On the other hand, when someone is sinning, he is not acting by spirit, and his evil deeds will prevent him from being saved.
1Co 6:9 Or do you not know that the unrighteous will not inherit the kingdom of God? Do not be deceived: neither the sexually immoral, nor idolaters, nor adulterers, nor men who practice homosexuality,
10 nor thieves, nor the greedy, nor drunkards, nor revilers, nor swindlers will inherit the kingdom of God.
11 And such were some of you. But you were washed, you were sanctified, you were justified in the name of the Lord Jesus Christ and by the Spirit of our God.
Heb 3:12 Take care, brothers, lest there be in any of you an evil, unbelieving heart, leading you to fall away from the living God.
13 But exhort one another every day, as long as it is called "today," that none of you may be hardened by the deceitfulness of sin.
14 For we have come to share in Christ, if indeed we hold our original confidence firm to the end.
15 As it is said, "Today, if you hear his voice, do not harden your hearts as in the rebellion."
16 For who were those who heard and yet rebelled? Was it not all those who left Egypt led by Moses?
17 And with whom was he provoked for forty years? Was it not with those who sinned, whose bodies fell in the wilderness?
18 And to whom did he swear that they would not enter his rest, but to those who were disobedient?
19 So we see that they were unable to enter because of unbelief.
What we are looking for is not to believe that we are already saved, which is impossible, but that we may be saved at the last moment:
Mat 24:13 But the one who endures to the end will be saved.