Remember that you are not saved by increased levels of holiness, however desirable it is that you should reach them. Indeed, while we often say that we are “saved by faith” or by “faith in Christ,” as Benjamin B. Warfield shrewdly comments, it is not even faith in Christ that saves us. It is Christ who saves us — through faith. Your faith is a poor and crumbling thing, as is your spiritual service. Jesus Christ alone is qualified and able to save you because of what He has done. Cling to anything else and you are relying on flotsam and jetsam floating on a perilous sea. It will bring you down under the waves. But cling to Christ Jesus and His righteousness and nothing can sink you.
Here is our refuge: In Christ, we are as righteous before God as Jesus Christ is righteous, for the only righteousness we have before God is Jesus Christ’s righteousness, to which we contribute nothing.
Sinclair B. Ferguson, “By Grace Alone”