On a personal level, I believe it is a basic matter of living life by faith ( Romans 1:17), since it is by grace we are saved ( Ephesians 2:8-10), which is what the Lord tells us in John 3:16-21. We are saved by grace and our works are how we live by faith ( sticking to the program, so to say) which is what St. Paul explains to us in Romans 13:1-14.
If we notice verses 8-10 in Romans 13, these echo what the Lord told the rich young man in verses 16-19 within His discussion with the rich young man in Matthew 19:16-31. Romans 13 gives us an important, basic explanation while Galatians 3:1-29 gives us a more spiritual, full explanation.
The Lord gives us basic instruction to be charitable ( Matthew 6:1-4) & to pray ( Matthew 6:5-13). If we are poor, then we can still pray for our selves and our neighbor ( refer back to the Lord’s Prayer, His commandments per Matthew 22:36-40, Matthew 7:12 per Matthew 7:1-12, Matthew 9:36-38, 1 Timothy 2:1-6 etc.).
It has been around 20 years for me since I realized my soul needed salvation. I still have sinful, fallen shortcomings in my attitude which I know I need to take stock of ( 1 John 1:5-10). I always try to remember the Lord’s lesson to not exalt myself & trust in His mercy ( Luke 18:9-14).