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" When a battle is fought, all are anxious to know who are the victors. In these verses we are told who is to gain the victory in life. When I was converted I made this mistake: I thought the battle was already mine, the victory already won, the crown already in my grasp. I thought that old things had passed away, that all things had become new; that my old corrupt nature, the Adam life, was gone. But I found out, after serving Christ for a few months, that conversion was only like enlisting in the army, that there was a battle on hand, and that if I was to get a crown, I had to work for it and fight for it. "
― Dwight L. Moody , The Overcoming Life and Other Sermons
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" We see clearly from this that we may be saved, but all our works burned up. I may have a wretched, miserable voyage through life, with no victory, and no reward at the end; saved, yet so as by fire, or as Job puts it, “with the skin of my teeth.” I believe that a great many men will barely get to heaven as Lot got out of Sodom, burned out, nothing left, works and everything else destroyed. "
― Dwight L. Moody , The Overcoming Life and Other Sermons