You are rewriting the word to your own imagination.
Phl 2:12
Wherefore, my beloved, as ye have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling.
Obedience is the only way, and we don't "begin to be saved." We begin to follow his commandments "with fear and trembling."
Salvation is the event that ends the tribulation, and the kingdoms of men.
We don't work anything out after our salvation; we return to Earth with Yeshua to rule with him for 1000 years.
Salvation happens the moment we accept Jesus Christ as our Lord and Savior. We are already saved when we return with Christ at the end of the Tribulation. It is so sad that you are not as smart as we had hoped you would be.