This has been a great discussion.

I am amazed at how most everyone has been civil; OK, close to civil. I must tell you in my long journey back to the faith this after the subject of Authority was not that big on my mlnd because I felt there wasn’t that much of a difference in Catholic salvation and Protestant. Obviously, what a Protestant means is always up in the air. I know some who say that no matter what if at one time in a person’s life they accepted Christ as their Lord and savior, that person would be saved.
Anyway, one of the last books before I “came home” was Peter Kreeft’s
Catholic Christianity. Here is (in my opinion) an excellent summary of what we have all been reading (or writing) about here. I require all to read this book,
Catholic Christianity or they will go to hell. I KNOW you will appreciate this:
**Faith and Works
(From Peter Kreeft’s Catholic Christianity page 25, #15)
Most Protestants, following Luther, believe that faith alone is sufficient for salvation. The Catholic Church, following the New Testament (Mt. 25; Jas 2), teaches that good works are also required. This was the single most important issue of the Protestant Reformation, the single most tragic division in the history of the Church.
But both Protestants and Catholics are beginning to see that their two apparently contradictory positions may have been saying the same essential thing in different words, words that seemed contradictory but perhaps were not. Returning to the common data – Scripture- reveals that both key words, “faith” and “salvation”. Are used in two senses: sometimes more narrowly and sometimes more broadly:
a. In Romans and Galatians, for example, St Paul uses “faith” broadly, to mean acceptance of God and His offer of salvation in Christ. This is the free choice of the will that saves us. But in I Corinthians 13, St. Paul uses “faith” in a narrower sense in distinguishing faith from hope and love, and he says love is greater. And St. James uses faith in a when he says that faith alone does not save us. That is, intellectual belief alone does not save us. That is, intellectual belief alone does not save us.
b. Scripture also uses “salvation” in two senses, broad and narrow. Salvation is the broad sense includes sanctification, being-made-saintly, being-made-holy; and is a process that requires not faith alone but also good works. Salvation in the narrower sense means just being accepted by God, or justified, forgiven for sin, being in a state of grace. Catholics agree with Protestants that in this narrower sense of salvation we can be saved by faith alone – that is, by faith in the broader sense, faith as a choice of the will, not just a belief of the intellect. Faith is what lets the life of God into our souls. The thief on the cross (Lk. 23:33-43) had no time for good works, but he was saved by his faith.
To summarized, the,
a. we are neither justified (forgiven) nor sanctified (made holy) by intellectual faith alone (belief);
b. we are justified by will-faith, or heart-faith alone;
c. but this faith will necessarily produce good works,
d. and we are not sanctified (made holy) by faith alone, in either sense, but only by faith plus good works.
An analogy: a woman is made pregnant by her faith in a man, by letting him impregnate her. She is not made pregnant merely by right intellectual beliefs about him. This faith, or trust, is sufficient to begin her pregnancy, but she must choose to do the deeds that nourish and complete it (for example, eating the right foods.)
The Protestant doctrine of justification by faith alone contradicts Scripture. St Paul never says we are justified by faith alone, and St. James explicitly says we are not justified by faith alone (Jas 2:24).
But Protestants can remind us of an infinitely important truth that we often forget: that we are not saved by good works alone; that we cannot buy our way into heaven with “enough” good deeds; that none of us can deserve heaven; and therefore if we were to die tonight and meet God, and God were to ask us why he should let us into heaven, if we are Christians our answer should not begin with the word “I” but with the word “Christ”.**