Salvation is the full pardon by grace from the penalty of all sin, past, present or future; eternal life is the bonus thrown in. Denying this cardinal truth, all cultists, such as Jehovah's Witnesses, Mormons, and Roman Catholics, for example, reject salvation by grace and insist that it must be earned by one's good works. They accuse evangelicals of teaching that all we need to do is to say we believe in Christ and then we can live as we please, even in the grossest of sins, yet be sure of heaven. Evangelicals don't teach that at all, yet a similar complaint is made by those who believe in "falling away." They say that "once saved, always saved" encourages one to live in sin because if we know we cannot be lost then we have no incentive for living a holy life. On the contrary, love for the one who saved us is the greatest and only acceptable motive for living a holy life; and surely the greater the salvation one has received, the more love and gratitude there will be. So to know one is secure for eternity gives a higher motive for living a good life than the fear of losing one's salvation if one sins!