Continuation . . .
Faith
The problem is, if we don’t persevere in our faith, that in and of itself IS mortal sin (assuming we understand what we are doing and willingly reject faith).
As CCC 161 and 162 warn us),
we cannot be pleasing to God without faith. That’s WHY
faith IS necessary for our salvation.
Hope
Also, if we don’t persevere in supernatural hope, this too is mortal sin. That is despair. This despair or “anti-hope” is WHY Judas lost not only his body but also his soul. In this sense supernatural hope IS necessary for our salvation.
That’s likely WHY St. Paul can say in Romans 8:24 “
For in this hope we were saved.”
Charity (“Love”)
If we don’t persevere in supernatural charity, this too is mortal sin. That’s WHY works are necessary (again for those who can).
Which works?
Everyone is different. Catholics don’t look at this as a fearful checklist. “Slaves” do that.
Justification is not reducible down to “forgiveness of sins”. There is more.
Sanctification is part of our justification and is an ongoing process (“
Justification is not only the remission of sins, but also the sanctification and renewal of the interior man”—see CCC 1989).
But all these necessary works are done IN GRACE (and need to be done IN GRACE). Charity animates these works. (
This post may be of help on this point)
Protestants often will object to the
need for charity (and works) and will say, “I do good works
because of my faith”.
That’s great, but you better be doing good works on account of your grace of charity too otherwise it is not good enough.
That’s WHY Abu can quote Fr. Echert saying: “Only those good works performed when a person is in
the state of grace – that is, as a branch drawing its spiritual life from the Vine which is Christ (John 15:4-6)”.
That is the above principle lived out. That’s WHY St. Paul can tell us,
if we have faith to move mountains, but have not charity, we are nothing and have nothing in 1st Corinthians 13.
CCC 1826 “If I . . . have not charity,” says the Apostle, “I am nothing.” Whatever my privilege, service, or even virtue, "
if I . . . have not charity, I gain nothing."103
Charity is superior to all the virtues. It is the first of the theological virtues: "So faith, hope, charity abide, these three.
But the greatest of these is charity."104
CCC 1827 The practice of all the virtues is animated and inspired by charity, which “binds everything together in perfect harmony”;105 it is the form of the virtues; it articulates and orders them among themselves; it is the source and the goal of their Christian practice. Charity upholds and purifies our human ability to love, and raises it to the supernatural perfection of divine love.
Many weddings have some of this verse in them . . .
1st CORINTHIANS 13:2b, 13 2 . . . and if I have all faith, so as to remove mountains, but have not love, I am nothing. . . . 13 So faith, hope, love abide, these three; but the greatest of these is love.
And yes Baptized babies CAN and DO have supernatural faith.
We even see John the Baptist filled with the Holy Spirit from his mother’s womb as Luke 1:15 reminds us of (this should tell us something).
Infants typically cannot DEMONSTRATE supernatural virtues, but they CAN POSSESS this supernatural faith, hope, and charity. The supernatural virtues are supersensible.
The Baptismal candidate has a natural faith (his own belief in the case of a catechumen or his parents faith in the case of an infant).
Then upon Baptism, the infants receive the graces of supernatural faith, hope, and charity.
CCC 1282 Since the earliest times, Baptism has been administered to children, for it is a grace and a gift of God that does not presuppose any human merit; children are baptized in the faith of the Church. Entry into Christian life gives access to true freedom.
CCC 1813 The theological virtues are the foundation of Christian moral activity; they animate it and give it its special character. They inform and give life to all the moral virtues. They are infused by God into the souls of the faithful to make them capable of acting as his children and of meriting eternal life. They are the pledge of the presence and action of the Holy Spirit in the faculties of the human being. There are three theological virtues: faith, hope, and charity.77
CCC 1266 The Most Holy Trinity gives the baptized sanctifying grace, the grace of justification:
- enabling them to believe in God, to hope in him, and to love him through the theological virtues;
- giving them the power to live and act under the prompting of the Holy Spirit through the gifts of the Holy Spirit;
- allowing them to grow in goodness through the moral virtues.
Thus the whole organism of the Christian’s supernatural life has its roots in Baptism.
CCC 1250b . . . . The sheer gratuitousness of the grace of salvation is particularly manifest in infant Baptism. The Church and the parents would deny a child the priceless grace of becoming a child of God were they not to confer Baptism shortly after birth.51
So in answer to your question: Are we saved by faith alone, or do we need works, too? . . .
. . The answer is we are saved by the graces given to us of God given at our Baptism including faith, hope, and charity, and we must persevere in those virtues we were given.
If you want more information you can go to the CCC quotes above and look at the footnotes (they will refer you to the salient verses in Scripture) or ask and someone here will likely try to accommodate you.