I got this in from the Max Lucado devotional that is emailed to me daily. I could not have said it better so here it is from Max in it's entirety.
Who Does the Saving?
“A person is made right with God through faith, not through obeying the law.” Romans 3:28
If we are saved by good works, we don’t need God—weekly reminders of the do’s and don’ts will get us to heaven. If we are saved by suffering, we certainly don’t need God. All we need is a whip and a chain and the gospel of guilt. If we are saved by doctrine then, for heaven’s sake, let’s study! We don’t need God, we need a lexicon.
But be careful, student. For if we are saved by having exact doctrine, then one mistake would be fatal. That goes for those who believe we are made right with God through deeds. I hope the temptation is never greater than the strength. If it is, a bad fall could be a bad omen. And those who think we are saved by suffering, take caution as well, for you never know how much suffering is required.
It took Paul decades to discover what he wrote in only one sentence: “A person is made right with God through faith.” Not through good works, suffering, or study.