We cherish such a plan of reform and good works in our minds, such an idea of a merit-badge system in our hearts, that it is difficult for us to believe justification fully and clearly. We say, "Believe on the Lord Jesus Christ, and thou shalt be saved," but we have a notion that faith is something so wonderful, so mysterious, that it is quite impossible ever to get it without doing something else.
Faith is an instantaneous gift of God, and he who believes on the Lord Jesus Christ is that moment saved without anything else whatsoever.