Romans 4:5 - "But to the one who does not work, but believes in Him who justifies the ungodly, his faith is credited as righteousness."
What do we have in our spiritual bank accounts? Do we have a list of "good works" that we have done for Jesus? Or, is our spiritual debit card flush with the heavenly gold of faith? We must first understand we are ungodly and need justifying. When this revelation really sinks in, we will realize we can never do anything to commend ourselves to God.
It is a humbling thing to know we can do nothing to save ourselves. It is equally as humbling to know that God still wants a relationship with us in our sinful state. "Can't I just clean myself up a bit before I come to God?" The Lord says emphatically, "NO!" We must come as we are and walk with Him as we are in honesty in humility. This fills our spiritual accounts to overflowing.