Charles Finney emphasizes that salvation is conditional and warns against overconfidence in one's spiritual state. He explains that believing one is secure in their salvation can lead to complacency and eventual fall into sin. Finney stresses the necessity of continuous vigilance, reliance on God's grace, and the importance of moral agency in maintaining holiness. He argues that no single act of faith guarantees unconditional salvation, and that believers must remain active in their faith to ensure their perseverance. Ultimately, he calls for a humble acknowledgment of our dependence on God to avoid spiritual downfall.