Well, consider Abraham. When was he saved? Was he saved when he believed God and it was counted to him for righteousness in Genesis 15:6
Gen 15:6 And he believed in the LORD; and he counted it to him for righteousness.
Or was he saved seven chapters later when he offered his son Isaac on the alter (Genesis 22).
Consider James 2 - it is talking about men
Jas 2:14 What doth it profit, my brethren, though a man say he hath faith, and have not works? can faith save him?
Jas 2:15 If a brother or sister be naked, and destitute of daily food,
Jas 2:16 And one of you say unto them, Depart in peace, be ye warmed and filled; notwithstanding ye give them not those things which are needful to the body; what doth it profit?
If I go see a poor beggar on the street and say "Jesus will save you" and yet he is there starving and freezing, my faith in Christ won't save him. But my works will. If I give him food, money etc.
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