This should square you away re Salvation:

We are saved by what He did, not by what we did(Heb 10:10). It is His grace that allows us to have faith and to do good deeds.
Yes we agree that you must have faith in order to be saved. But no where in the bible does it say “faith alone” is all we need. If I told you you needed oxygen to live would you then assume you didn’t need food, water and shelter from the elements? We agree that being saved depends on faith. Where Protestants error is that being saved does not rely on Faith ALONE as we see throughout the New Testament.
From Romans 4:16: “For this reason it is by faith, in order that it may be in accordance with grace”. Notice we don’t see the words “faith alone”. Paul is adamant in his writings that we must have faith for justification. But nowhere does Paul suggest that faith alone is required to enter heaven. In fact, Paul tells us of the need to love just as Jesus does (1Cor 13:2 and 1Cor 16:22). Finally, Peter reminds us not to distort what Paul is trying to say to us (2Peter 3: 15-17). We must not distort the teachings of Paul.
On to James: Paul, while inspired by God, never heard Jesus speak one sermon. He never knew the historical Jesus Christ, only the resurrected Jesus Christ. James was there from the beginning, one of the close ones (Peter, James and John: the three best friends of Jesus Christ). This is what James (James 2: 14-17) said: “What use is it, my brethren, if someone says he has faith but he has no works? Can that faith save him? If a brother or sister is without clothing and in need of daily food, and one of you says to them, “Go in peace, be warmed and be filled,” and yet you do not give them what is necessary for their body, what use is that? Even so faith, if it has no works, is dead, being by itself. Protestants say works are important but Faith alone is all that is needed. This is clearly not biblical. FAITH WITHOUT WORKS IS DEAD! Faith alone was created by a man 1500 years after the death of Christ: Martin Luther.
Next James says this (James 2: 18-26): “You believe that God is one. You do well; THE DEMONS ALSO BELIEVE, AND SHUDDER. But are you willing to recognize, you foolish fellow, that
FAITH WITHOUT WORKS IS USELESS?” “
YOU SEE THAT A MAN IS JUSTIFIED BY WORKS AND NOT BY FAITH ALONE!” Interesting to me that the ONLY time the words **“faith alone” **appear in Holy Scripture is in a negating context.
Paul uses the example of Abraham to tell us that Abraham is justified by his faith. James uses the same example to say Abraham is justified by his works. Holy Scripture cannot contradict Holy Scripture. The answer is we need both! Paul does not believe that you are justified by only Faith unless you take him out of context.
Moving on to Acts 2:38. “again, they asked Peter and the apostles: ‘Brother’s, what must we do to be saved?’ ‘Repent and be baptized, every one of you, in the name of Jesus Christ for the forgiveness of your sins. And you will receive the gift of the Holy Spirit.” So we must do something (repent) and be baptized.
John 3:5. Here Jesus tells a Pharisee named Nicodemus, a member of the Jewish council, what we must do to be saved: “Very truly I tell you, no one can see the kingdom of God unless they are born again.”
Jesus doesn’t even mention Faith does he? Should we take this verse out of context and say all we need to do to enter the kingdom is to be baptized?
Luke 10:25-37. Another man quizzes Jesus about what we must to inherit eternal life. Jesus puts it back on him and asks him what the (Hebrew) Law says: He answered, “‘Love the Lord your God with all your heart and with all your soul and with all your strength and with all your mind’ and, ‘Love your neighbor as yourself.” To which Jesus replies: “You have answered correctly,” Jesus replied. “Do this and you will live.” He doesn’t point to Faith but to the Law. Look at what he says: “Love your God. Love your neighbor as I have loved you.” If we believe that we can inherit eternal life through FAITH ALONE then Jesus Christ is a liar! cont…