I have been crucified with Christ and I no longer live, but Christ lives in me. The life I now live in the body, I live by faith in the Son of God, who loved me and gave himself for me.
Not that we are competent in ourselves to claim anything for ourselves, but our competence comes from God.
2 Corinthians 3:5
For if we have been united with him in a death like his, we will certainly also be united with him in a resurrection like his.
In the same way, count yourselves dead to sin but alive to God in Christ Jesus.
To guard against the futile idea that we can add to our salvation, the Reformers spoke of “Christ Alone.” Christ is the perfect completer of all that we need to be justified before the Father. This in turn makes “Grace” so much more amazing!