Most of my life I have been told that Catholics believe you are saved by works, not by faith. Of course, while growing up it scared me to hear this. All I could think about were the Pharisees whom Jesus so clearly despised. Besides, I was always shown scriptural passages which made it clear—or so I thought—that faith and faith alone is what saves us.
One popular example is: "For it is by grace you have been saved, through faith - and this is not from yourselves, it is the gift of God, not by works, so that no-one can boast" (Eph 2. 8,9).
And of course, the most famous scripture of all says: "For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life" (John 3.16).
Despite these scriptures, the idea of faith alone saving us has always been a bit puzzling to me, but I have been afraid to question it for fear of, well, sounding like a Pharisee— or even like a Catholic.
While I certainly believe that we cannot be saved without faith, it seems unreasonable and unscriptural to me to say we are saved by faith alone. The scripture makes it clear that "we shall know them by their fruits."
James says: "faith by itself, if it is not accompanied by action, is dead (2. 14-17)." So, after reading that how could I believe that works have nothing to do with salvation?
Jesus says: "I tell you the truth, whatever you did not do for one of the least of these, you did not do for me….Then they will go away to eternal punishment, but the righteous to eternal life (Matthew 25: 45)." How could I interpret that to mean works count for nothing in salvation?
But I believe no one makes it clearer than Paul does when he says: "God will give to each person according to what he has done. To those who by persistence in doing good seek glory, honor and immortality, he will give eternal life (Romans 2: 6-7)."
While I believe that faith is a necessary beginning for the process of salvation, and faith helps to sustain it, I am beginning to believe works are also essential for salvation. This is frightening for me to say—it is even hard to write or think it, because it goes against everything I have ever been taught.
Yet when I read the scriptures, I find nothing which tells me that faith alone saves me. I only find scriptures which tell me that faith is necessary for salvation, but not that salvation is made up of faith alone. I do however find scriptures which tell me that "a person is justified by what he does and not by faith alone" (James 2:24).
Besides, if faith means simply believing, that doesn't seem to be enough for salvation. After all, the Bible says, "You believe that there is one God, Good! Even the demons believe that - and shudder (James 2. 19)."
It seems to conclude that faith must be followed by good works, or else it is truly dead.
Recently, on a Catholic apologetics website I read what I feel is a very beautiful way to answer the question, "Are you saved?"
"Are you saved?" asks the Fundamentalist. The Catholic should reply: "As the Bible says, I am already saved (Rom. 8:24, Eph. 2:5–8), but I’m also being saved (1 Cor. 1:8, 2 Cor. 2:15, Phil. 2:12), and I have the hope that I will be saved (Rom. 5:9–10, 1 Cor. 3:12–15). Like the apostle Paul I am working out my salvation in fear and trembling (Phil. 2:12), with hopeful confidence in the promises of Christ (Rom. 5:2, 2 Tim. 2:11–13)."
I expect this will offend my Protestant friends, as well as my Protestant family. But this is what I have discovered through study and prayer, and to go against conscience is neither right nor safe.