Salvation is often misunderstood. It does have three tenses:

Past: I am saved – justification as a gift from God. By faith alone by Christ alone. To add to it is blasphemy. No penalty of sin.

Present: I am being saved – sanctification. We are progressif work. Committment, faith, growth, relationships that will help me persevere. This will determine my inheritance. Separation of the power of sin.

Future: I will be saved – glorification. Depending on what shows up at the judgment seet. Have I just been justified (hay, wood, stubble) or do I have a treasure layed up in the heavenly bank account and been sanctified (silver, gold, stones)? Separation of the presence of sin.