Very good answer! When you accept Jesus as your Lord & Savior you are saved…
That is not St Paul’s answer.
We have been REDEEMED by Christ, and salvation is dependant on our state at death. Our salvation depends on our cooperation in believing and acting as best we know in doing good and avoiding evil. Jesus redeemed us (opened Heaven), we have to play our part to be saved. As St Paul teaches: “But I chastise my body, and bring it into subjection lest perhaps, when I have preached to others, I myself should become a castaway.” (1Cor 9:27). And again: “Wherefore he who thinks that he stands, let him take heed lest he fall.” (1 Cor 10:12). Yet again, “And we exhort you not to receive the grace of God in vain.” (2 Cor 6:1).
As stated by Paul, what is lacking for our salvation is what only we can do, for the sake of His Body which is the Church. Christ was acting for the whole human race, not instead of, not as a substitute. “He bore our sins in His own Body on the Cross.” (1Pet. 2:29). What did Paul say must happen because Christ is the one mediator? “Supplication, prayers, intercessions, and thanksgivings be made for all men” (1Tim 2:1-5). Thus we are all called to be co-redeemers. [See *Christ In Eclipse, Frank Sheed, Sheed & Ward, 1978, p 105-108).
“It is not those who say to Me, ‘Lord, Lord’, who will enter the kingdom of heaven, but the person who does the will of My Father in heaven.” (Mt 7:21). When asked “What must I do to have eternal life?” Jesus answered, “Keep the commandments.” (Mt 19:16-17).