Believers are challenged to “Work Out” their own salvation. It doesn’t mean to work to be saved when Jesus comes. Salvation comes by the grace of God.
Ephesians 2:8-9 For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast.
The people in the Church at Ephasus were already saved. Working out your own salvation means to make your Christian life all it can be for God, and God’s business is serious business. Souls are at stake. We are entering an unknown. No one knows how much following Jesus is going to cost or where it will lead.
But God reveals His will to us and coaxes us to adopt it as our own. We are energized and empowered by God working in us to carry it out.