The word salvation means delivered. To answer the question you must first clarify what type of deliverence you are referencing...
PAST TENSE:
I have been saved (delivered) from the penalty of sin (Justification) ex. Eph. 2:8
PRESENT TENSE:
I am being saved (delivered) from the power of sin (Sanctification) ex. 1 Cor. 1:18
FUTURE TENSE:
I shall be saved (delivered) from the presence of sin (Glorification) ex. Rom. 13:11
I knew I would bump into a seminary professor sooner or later.
(I am keeping these definitions).
Let's take the first one - past tense - I have been justified.
Abraham was justified when he offered Isaac.
When he first believed (before Isaac was born) it was credited to him as righteousness.
GE 15:4 Then the word of the LORD came to him: "This man will not be your heir, but a son coming from your own body will be your heir." 5 He took him outside and said, "Look up at the heavens and count the stars--if indeed you can count them." Then he said to him, "So shall your offspring be."
GE 15:6 Abram believed the LORD, and he credited it to him as righteousness.
When he offered Isaac his "faith was completed" and Scripture was "fulfilled" 12 years later and he was justified.
JAS 2:20 You foolish man, do you want evidence that faith without deeds is useless? 21 Was not our ancestor Abraham considered righteous for what he did when he offered his son Isaac on the altar? 22 You see that his faith and his actions were working together, and his faith was made complete by what he did. 23 And the scripture was fulfilled that says, "Abraham believed God, and it was credited to him as righteousness," and he was called God's friend. 24 You see that a person is justified by what he does and not by faith alone.
Maybe my better question should be - are we using the words "saved" without fully realizing that there are different meanings to it?
How would you call this 12+ year process?
Thanks,
Ed