Jesus and personal responsability

here are some scriptures to consider as we reflect on Matt's first installment about Post Institutionalism.

PHI 2:12 So then, my beloved, just as you have always obeyed, not as in my presence only, but now much more in my absence, work out your salvation with fear and trembling;

GAL 6:5 For each one shall bear his own load.

1JO 2:27 And as for you, the anointing which you received from Him abides in you, and you have no need for anyone to teach you; but as His anointing teaches you about all things, and is true and is not a lie, and just as it has taught you, you abide in Him.

Any thoughts how to interpret these in the our current context? What does it mean for us to work out our salvation? Or bear own own load? Why does John say that we have no need for anyone to teach us? In what way does his anointing teach us al things?