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I like how this note explains you two choices: You are free to choose between two masters, but you are not free to adjust the consequences of your choice. Each of the two masters pays with his own kind of currency. The currency of sin is eternal death. That is all you can expect or hope for in life without God. Christ’s currency is eternal life---new life with God that begins on earth and continues forever with God. What choice have you made? Eternal life is a gift from God. If it is a gift, then it is not something that we earn, nor something that must be paid back. Consider the foolishness of someone who receives a gift given out of love and then offers to pay for it. A gift cannot be purchased by the recipient. A more appropriate response to a loved one who offers a gift is graceful acceptance with gratitude. Our salvation is a gift of God, not something of our own doing (Ephesians 2:8-9). He saved us because of his mercy, not because of any good things that we have done (Titus 3:5). How much more we should accept with thanksgiving the gift that God has freely given to us. --Life Application Study Bible notes