For the Catholic: Salvation is via sacraments, or to those who would have used them if they had known or been able to. The Sacramental economy is based of God's grace being gained via obedience, and faith: whereby God's grace acts literally, as we make prescribed acts of faith, asked of us by Jesus, as recorded firmly in the sacred texts of the bible, the records of history, and the traditions (Gospel of Luke chapter 1 verse 4) and magisterium (Acts 15; I Timothy chapter 3 verse 15) of our Ancient Religion!
"anyone ever asked you that question,
Wondered why they think you know what it means, or why they're talking to you?
Salvation refers to a current status, in relation to heaven and hell?
Gospel of John-
17 For God did not send his Son into the world to be its judge, but to be its savior.
18 Those who believe in the Son are not judged; but those who do not believe have already been judged, because they have not believed in God's only Son.
19 This is how the judgment works: the light has come into the world, but people love the darkness rather than the light, because their deeds are evil.
20 Those who do evil things hate the light and will not come to the light, because they do not want their evil deeds to be shown up.
21 But those who do what is true come to the light in order that the light may show that what they did was in obedience to God.
Good news Bible
(note: that believes in this case is in the active present tense.)
Ok, so you're saved if you believe?
One must of course note that the verse here talks of belief written in greek. The opposite of belief is disobedience.
It is the evil people in the passage that reject the offer, and the good (those who do right) who accept the offer, and in accepting it, act on it. For, to believe in Christ, is to believe, either that he is God, in which case He cannot lie, and his entire message is to be believed, or that his words are true, directly, or it could also refer to trusting in God.
Jesus Commanded us to treat others in a loving way (The word charity of old english could better describe "love"), to trust and love God, and to obey him. To obey him is to love, and to believe, that Jesus is the promised messiah, and that God rose him from the dead. If this is true, then he has opened the way to heaven. If it is so, then death has no sting. In conquering death for all who believe who he is, and his message, and in that imitate him, by loving, he allows a peace treaty between man and God. Those who persevere can be saved. God is love. His purpose is to transform the chosen into his Son's image. His Son is God, and in union with God.
In essence, salvation is by believing the Gospel, and in that, following the prescribed way offered by such- to be reunited with God. In other words, obedience in belief, which comes with any belief in a world view- saves. This is via morality, ethics- and trusting the promised daily miracles of sacramental grace and prayer!
Personally, I see love as the core command of Christianity, that those who believe that God died for them on a cross, the most painful death imaginable, should love others. Also, I believe in the need for baptism, and obedience in the church and sacraments. For, to be "saved", or rather- in salvation - is to be freed from slavery to evil, and made a slave of what is good.
Core commands of Christianity
Good News Bible
23 What he commands is that we believe in his Son Jesus Christ and love one another, just as Christ commanded us. 24 Those who obey God's commands live in union with God and God lives in union with them. And because of the Spirit that God has given us we know that God lives in union with us.