For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness. Now to him that worketh is the reward not reckoned of grace, but of debt. But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.
Romans 4:3-5
The book of Romans makes the way of salvation very clear for us. We do not work for our salvation. We do not earn our salvation. As these verses tell us “Abraham believed God, and it was counted unto him for righteousness.” Was Abraham perfect? Far from it. Did Abraham never make any mistakes or do anything stupid? Of course he made mistakes and did stupid things – we can read all about them in the book of Genesis. But he believed God. That faith was “counted unto him for righteousness.”
It is the same with us. Verse 5 tells us that he that “worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.”
The reason for this is also found in this passage. “…to him that worketh is the reward not reckoned of grace, but of debt.” If we were to earn our salvation, there would be no measure of grace. If we could earn our salvation, God would not be showing us mercy or grace by saving; He would simply be paying a debt that He owed to us. Of course, we know that this whole concept is ridiculous. God does not owe us anything. He never has and He never will. He is not indebted to any man.
Salvation is available because of the grace and mercy of God, not because of a debt He owes us for all of the good works that we have done. To think otherwise would be to think outside of the Bible!