The theme of Paul's letter is simple. He expresses it this way in
"I am not ashamed of the gospel of Christ, for it is the power of God for salvation to everyone
This lesson is about the meaning, means, and method of that salvation. Paul's remarks about being "predestined" to salvation are more difficult. But at least they clearly imply that God has a predetermined purpose and plan
Salvation is the state of being saved. A child rescued after it has fallen into a swimming pool, or someone pulled back who was about to walk in front of a bus, has experienced salvation. But what is it that we are saved from in the salvation Paul had in mind? The answer is, we are saved from the wrath of God in the day of judgment
Some folk wrongly imagine that on judgment day God will put their good deeds in one side of his scales of justice, and their evil deeds on the other side of his scales, and their righteousness will balance their wickedness. But when they are "weighed in the balances" they will be "found wanting" because God will put all their deeds together in one side of his scales. In the other side of his scales he will put his perfect and holy law. They will fall short of this perfect standard, even if they are guilty of offending God's law in but one point. They will not stand justified before God
The problem has a solution
What is expected from us, and what should we do, so that we can take advantage of the means of salvation?