How much of your work or effort is involved in this?

Take a look at Titus 3:4-7 and tell me how much of YOUR effort/work is involved:

But when the kindness and love of God our Savior appeared, he saved us, not because of righteous things we had done, but because of his mercy. He saved us through the washing of rebirth and renewal by the Holy Spirit, whom he poured out on us generously through Jesus Christ our Savior, so that, having been justified by his grace, we might become heirs having the hope of eternal life.

Better yet, don't tell ME! Rather, remind YOURSELF of the true source of all this! Perhaps go to your Bible, or print out this verse, or even just with your eyes on your monitor - highlight the words and phrases that show the source of all the work that has made it possible for us to become heirs having the hope of eternal life.

Here's what that looks like to me:

But when the kindness and love of God our Savior appeared, he saved us, not because of righteous things we had done, but because of his mercy. He saved us through the washing of rebirth and renewal by the Holy Spirit, whom he poured out on us generously through Jesus Christ our Savior, so that, having been justified by his grace, we might become heirs having the hope of eternal life.