That is a complete mystery to me. I don't understand it for one bit. Normally Jesus cleanses you from your sin, you have passed from death to life, you go to heaven immediately, no purgatory if you ask me. But that one text says some will be saved as through fire and suffer loss because they built with hay and that will be on the day of judgement. Is that after death or maybe in the great trib, I don't have a clue. If it was about adulterers and such who don't repent as I first thought and stay in it, impossible, it says such don't inherit the Kingdom. If they convert before they die it's completely washed away so they go straight to heaven, then about who is it? Paul said about that man living with his father's wife that he delivered him over to satan for the destruction of his flesh, so his spirit would be saved. Then I think: oh that's on judgement day, but no, that was here on earth, because later he repented. It's quite vague. Maybe that's why they call it vague fire in Dutch.