I have come to the conclusion I am not “truly” saved.
I hope that rattles you. Let me explain why I have come to this conclusion: Traffic.
Yep, traffic.
You see, I consistently get irritated when other drivers fail to use their turn signals. I get a snarky attitude, and I often make some obnoxious comment about said driver (which does not please my wife, by the way).
I am stuck in habitual sin. Sure, I confess…. but then it pops up again. And again. And again. Probably has for decades. Even after deciding to write this post, fully aware of my tendency, I still responded poorly to traffic. While driving through a little town outside Seattle, it took us 30 minutes to go two blocks through two lights. My attitude was stinky, my comments were not kind. My wife was, rightfully, not pleased with me. And then again today, I gave a snide “gee, thanks” to someone who failed to use their blinker.
So here’s my problem. As one well-known writer puts it, “The apostle John … wrote an entire epistle about the marks of a true believer (1 John 5:13)… Scores of … passages throughout the epistle confirm the same truth, that the one who is truly saved cannot continue in a pattern of unbroken sin (1 John 3:6-10).” Others use the term “habitual sin” rather than “unbroken sin”, but the idea is the same.
Habitual sin means I’m not ‘truly’ saved. And I am a habitual sinner (at least behind the wheel).
Maybe I can read your mind at this point. “That’s not really unbroken sin, Roger. You may slip into it again and again, but the pattern is broken. You probably even confessed it” Or, you may think “Really? You think that sin is serious enough to prove you are not ‘truly saved’?” And, at this point in your reading, some of you might have already called me or texted me to straighten me out. But keep reading before you react!
Here’s the truth. I do not believe what I said above about the consequences of habitual sin. I have no doubt that I am “truly saved”. I think what the above writer and others like him say about habitual sin is wrong.
Think about how subjective and troubling the “habitual sin” or “unbroken sin” trap is. It is easy to look at someone else’s life; it is tougher to look at my own. It is easy to think of “big” sins (like addiction to pornography); it is tougher to think of “little” sins (like attitudes towards obnoxious drivers – oops, there I go again). It becomes very subjective! And of course, how does one define “habitual”? What sins? How often? 
Over how much time (days, months, years)? I hope you get my point.  If habitual or unbroken sin of any kind means I never “truly believed” I have a problem and so do most of you (probably all of you). Maybe the sin is as “minor” as anger while driving. Maybe it’s our attitude towards certain politicians (I told you this is a problem for most of us). Maybe it is as serious as addiction to something (coffee doesn’t count). And if only certain kinds of habitual or unbroken sins cause the problem (instead of any habitual sin), I’m still in trouble, because I don’t have a biblical list to differentiate which-sins-are-which. I only have the opinions of people.

Here’s the whole truth: When I react poorly to another driver, my actions, words, and attitude are not the result of “walking in the light”. They are not a reflection of following Jesus. They are, well, sinful! And I need to let God work on my heart so that the next time that guy fails to signal….. well, you get the idea.

I am saved by grace through faith alone in Jesus alone. My security is based on the objective truth that Jesus died on the cross for my sin, was raised from the dead, and gives, as He promises, eternal life to all who believe in Him.

Thankfully, confirmation of my salvation is not based on how I respond to those drivers. Or on any other “habitual” or “unbroken” sin. Those sins are growth issues, not identity issues.  That’s the beauty of grace. My confidence lies completely on what He has done for me, freely, as a gift.