" stressing the necessity of personal holiness should not undermine in any way our confidence in justification by faith alone. The best theologians and the best theological statements have always emphasized the scandalous nature of gospel grace and the indispensable need for personal holiness. Faith and good works are both necessary. But one is the root and the other the fruit. God declares us just solely on account of the righteousness of Christ credited (imputed) to us (2 Cor. 5:21). Our innocence in God’s sight is in no way grounded in works of love or acts of charity. Whereas a Catholic might answer the question “What must I do to be saved?” by saying, “Repent, believe, and live in charity,”7 the apostle Paul answers the same exact question with, “Believe in the Lord Jesus, and you will be saved, you and your household” (Acts 16:31). Getting right with God is entirely and only dependent upon faith.8 "
― Kevin DeYoung , The Hole in Our Holiness: Filling the Gap between Gospel Passion and the Pursuit of Godliness