People cannot do any work that will make them right with God. Rom 4:5
If Christ had not covered us with his grace, each of us would be overdrawn on [our heavenly bank] account. When it comes to goodness we would have insufficient funds. Inadequate holiness. God requires a certain balance of virtue in our account, and it's more than any of us has alone. Our holiness account shows insufficient funds, and only the holy will see the Lord; what can we do?
We could try making a few deposits. Maybe if I wave at my neighbor or compliment my husband or go to church next Sunday, I'll get caught up. But how do you know when you've made enough? …
If you are trying to justify your own statement, forget ever having peace… You are trying to justify an account you can't justify… "It is God who justifies" (Rom 8:33).
The Great House of God (Max Lucado)