Now to the one who works, wages are not credited as a gift but as an obligation. However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness.
It seems ingrained in us humans that being right with God depends on us, specifically on what we do. We think somehow that we have to earn so as to deserve God’s acceptance and favor. Paul here puts the kibosh on that. Of course we find this elsewhere in Scripture, even as this passage from Paul makes clear (click Romans link above).
No, faith puts us right with God. We’re justified by faith, not ever by our works. Works follow, and justifying faith does work for sure. But it has to be in that order. If we’re struggling to be accepted by God, we’re wasting time and effort. We need to stop and simply trust God, believe God’s word, God’s promise to us in Christ.
God has done what needs to be done for us to be accepted by him. We simply have to accept and receive that. And only then do we receive the forgiveness of sins and new life which opens up an entirely new way for us. Certainly filled with love and good works. In and through Jesus.