You are not saved by works—ever. Paul as well as James assert this vehemently. This includes every part of salvation: predestination, election, calling, justification, sanctification and glorification. It is all of God. It was initiated by God and it is finished by God (Philip. 1:6; cf. Heb. 12:2). Your use of James chapter 2 is troublesome at best, as James is clearly not saying that we are saved by works, especially since he doesn't use the word at all. Rather, he uses "justified," to wit, our faith is shown to be genuine (justified) by our works. Of course, being yourself a Catholic, your tradition blinds and deceives you, so I doubt you will ever be convinced, for if your tradition crashes with Scripture, it is surely tradition that trumps, as shown even by your reply to me above. Regardless, if James there is saying what you assert he is saying, then either Paul or James needs to be cast out of our Scriptures as a flagrant heretic. Of course, we know this is not the case. The same, I say, goes for your use of Matthew 7:21-23. You quote it as if Jesus is saying, "You are saved by works," when yet two statements later he casts into hell people who had done nothing but works, even in his name.
1. We are saved by grace alone. It is the Holy Spirit's presence alone within us which continues to save us. If the Holy Spirit of Grace is not found still abiding within us at the time of death, we will not be approved to enter into eternal life.
John 3:24
The one who keeps God’s commands lives in him, and he in them. And this is how we know that he lives in us:
We know it by the Spirit he gave us.
Acts 5:32
We are witnesses of these things, and so is
the Holy Spirit, whom God has given to those who obey him.” niv
John 15:5-6
I am the vine; you are the branches.
If you remain in me and I in you, you will bear much fruit; apart from me you can do nothing. 6
If you do not remain in me, you are like a branch that is thrown away and withers; such branches are picked up, thrown into the fire and burned. niv
Please note that the Holy Spirit does not remain in the people who disobey God.
Hebrews 10:26-30
If we deliberately keep on sinning after we have received the knowledge of the truth,
no sacrifice for sins is left, 27 but only a fearful expectation of judgment and of raging fire that will consume the enemies of God. 28 Anyone who rejected the law of Moses died without mercy on the testimony of two or three witnesses.
29 How much more severely do you think someone deserves to be punished who has trampled the Son of God underfoot, who has treated as an unholy thing the blood of the covenant that sanctified them, and who has insulted the Spirit of grace? 30 For we know him who said, “
It is mine to avenge; I will repay,” and again, “The Lord will judge his people.” niv
2. Not every person who receives salvation from God will still have the Holy Spirit of Grace abiding within him at the time of his death.
2 Peter 2:20
If they have escaped the corruption of the world by knowing our Lord and Savior Jesus Christ and are again entangled in it and are overcome,
they are worse off at the end than they were at the beginning. niv
2 Thessalonians 1:7-9
and to give you who are troubled rest with us when the Lord Jesus is revealed from heaven with His mighty angels, 8 in flaming fire taking vengeance on those who do not know God, and on those who do not obey the gospel of our Lord Jesus Christ. 9 These shall be punished with everlasting destruction from the presence of the Lord and from the glory of His power, nkjv
3. Jesus states very plainly and unambiguously that if we want to inherit/enter eternal life, we must obey His commandments.
Matthew 19:16-19
Now behold, one came and said to Him, “Good Teacher,
what good thing shall I do that I may have eternal life?”
17 So He said to him, “Why do you call Me good? No one
is good but One,
that is, God. But
if you want to enter into life, keep the commandments.”
18 He said to Him, “
Which ones?”
Jesus said, “‘
You shall not murder,’ ‘You shall not commit adultery,’ ‘You shall not steal,’ ‘You shall not bear false witness,’ 19 ‘Honor your father and your mother,’ and, ‘You shall love your neighbor as yourself.’ ” nkjv
Romans 13:8-10
Owe no one anything except to love one another, for he who loves another has fulfilled the law. 9
For the commandments, “You shall not commit adultery,” “You shall not murder,” “You shall not steal,” “You shall not bear false witness,” “You shall not covet,” and if there is any other commandment, are all summed up in this saying, namely, “You shall love your neighbor as yourself.” 10 Love does no harm to a neighbor; therefore love
is the fulfillment of the law. nkjv
4. Jesus states that we must do good works if we desire to enter into eternal life.
Luke 10:25-37
And behold, a certain lawyer stood up and tested Him, saying, “
Teacher, what shall I do to inherit eternal life?” 26 He said to him, “
What is written in the law? What is your reading of it?” 27 So he answered and said, “
‘You shall love the Lord your God with all your heart, with all your soul, with all your strength, and with all your mind,’ and ‘your neighbor as yourself.’”
28 And He said to him, “You have answered rightly; do this and you will live.”
29 But he, wanting to justify himself, said to Jesus, “And who is my neighbor?” 30 Then Jesus answered and said: “A certain
man went down from Jerusalem to Jericho, and fell among thieves, who stripped him of his clothing, wounded
him, and departed, leaving
him half dead. 31 Now by chance a certain priest came down that road. And when he saw him, he passed by on the other side. 32 Likewise a Levite, when he arrived at the place, came and looked, and passed by on the other side. 33 But a certain Samaritan, as he journeyed, came where he was. And when he saw him, he had compassion. 34 So he went to
him and bandaged his wounds, pouring on oil and wine; and he set him on his own animal, brought him to an inn, and took care of him. 35 On the next day, when he departed, he took out two denarii, gave
them to the innkeeper, and said to him, ‘Take care of him; and whatever more you spend, when I come again, I will repay you.’ 36
So which of these three do you think was neighbor to him who fell among the thieves?” 37 And he said, “He who showed mercy on him.” Then Jesus said to him, “Go and do likewise.” nkjv
Please note that
Jesus told the lawyer that he had to "go and do good things for his neighbor," in order to inherit eternal life.
Jesus did not tell the lawyer to just simply believe in Him and trust in Him in order to inherit eternal life.
Here are a couple of examples of the necessity for doing good works in order to inherit eternal life:
1 Timothy 5:8
But
if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever. nkjv
Matthew 6:15
But
if you do not forgive men their trespasses, neither will your Father forgive your trespasses.
These things which we are commanded to do in order to be approved to enter/inherit eternal life are called fruits/deeds/works.
James 2:20-24
But do you want to know, O foolish man, that faith without works is dead? 21
Was not Abraham our father justified by works when he offered Isaac his son on the altar? 22
Do you see that faith was working together with his works, and by works faith was made perfect? 23 And the Scripture was fulfilled which says, “
Abraham believed God, and it was accounted to him for righteousness.” And he was called the friend of God. 24
You see then that a man is justified by works, and not by faith only. nkjv
5. A person does not continue to believe in Jesus Christ unless he does what God commands him to do.
Luke 6:46
But why do you call Me ‘Lord,
Lord,’
and not do the things which I say? nkjv
Matthew 7:21-24
Not everyone who says to me, ‘Lord, Lord,’ will enter the kingdom of heaven, but only the one who does the will of my Father who is in heaven. 22 Many will say to me on that day, ‘Lord, Lord, did we not prophesy in your name and in your name drive out demons and in your name perform many miracles?’ 23
Then I will tell them plainly, ‘I never knew you. Away from me, you evildoers!’ 24 “
Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. nkjv