Since the topic is true religion, it seems on topic to post what I'm about to say.
Your standard "born again" Christian goes on an on about how salvation is "not by works." Your typical skeptic will point out Romans 3:28 and James 2:24, which even Martin Luther considered impossible to reconcile. One says, "We conclude that a man is justified by faith, apart from the works of the law," and the other says, "We see, then, that a man is justified by works, and not by faith only."
I don't agree with the "faith only" view of salvation that is popular among "born again" Christians, but I don't agree that Romans 3:28 and James 2:24 contradict.
I got the following from my own reading of the Bible, and was pleased to find that the early church fathers agreed with me! It was pretty exciting to find that kind of confirmation.
This still leaves difficulties, because such a subject is difficult and several authors cover it in the New Testament, but this does explain why Paul can say on one page that faith is a gift from God apart from works and on the next that only those who avoid the works of the flesh will have an inheritance in Christ's kingdom (Eph 2; Eph 5). Plus, it's pretty straightforward and simple.
There are two "justifications" or "salvations" being discussed in the New Testament. Don't be surprised by this. Romans 5:9 mentions both, a "having been" saved and a "shall be" saved. One is the time of being born again, believing and being baptized. That entrance to the faith is completely apart from works, by faith only. Believe and come; be baptized and enter. That's the "having been" saved mentioned in Romans 5:9.
The other is going to heaven, passing the judgment. That is by works, as the New Testament says over and over again (Matt 16:27, as pointed out in earlier posts, Rom 2:5-8, Gal 5:19-21, Gal 6:8-10, Rev 3:4,5, and many others y'all can find without me).
I got started on this because I found a very early Christian letter (around AD 110, in my opinion) by Polycarp that says salvation is by obedience to commands and then a couple paragraphs latel says it's not by works. I liked that, because Paul writes the same way in Galatians and Ephesians.
The Letter to Diognetus (same time frame) finally put it in total perspective for me: "By the grace of God, we who were not able to enter the kingdom would be given the power to be able." (paraphrased pretty badly, but this is close.)
I think this all seems obviously true, once you think about it. Born-againers aren't allowed to believe this, of course, but I think the honest skeptic has to accept it as explaining Rom 3:28 and Jam 2:24. James is clearly talking about a future justification involving the judgment, and Paul is clearly talking about a past justification involving sins being forgiven.