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ELI5: If you're a Christian, why do you have to be good if Jesus will forgive you no matter what?
(self.explainlikeimfive)
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It varies significantly between denominations, I know that much. Guaranteed salvation is protestant-specific, at the very least, and isn't even held by all denominations within.
Yeah, if you're a more "reformed"/Calvinist type, broadly speaking, God is pre-determining who goes to Heaven and who goes to Hell. You can't REALLY know for sure you're among the chosen, and continuing to sin would be accruing evidence you're NOT among the chosen. More or less.
Latter-day Saint beliefs are that one's intent and internal desires play a role. Thus, a non-repentant person wouldn't desire forgiveness, and wouldn't be forced by Jesus to accept it.
Under their rules you're allowed repenting after death, as well. Actions in life only determine which of the three tiers of heaven you go to if you don't decide to send yourself to "outer darkness".
You're right, some repentance after death is technically an LDS doctrine, however it isn't widely accepted. But yes, our concepts of heaven and hell are more inclusive than the standard Christian binary.