“Grace enables faith and works. Works of the law do not save now that we are under grace and not the law, that was what Paul and James taught. It also happens to be what Christ talked about later on in Matthew 7, after your cite of verse 21 take a look at v26. To pit faith against works is not only un-biblical, it’s anti-biblical.”
Titus 2:11-13 “For the grace of God that bringeth salvation hath appeared to all men, teaching us that, denying ungodliness and worldly lusts, we should live soberly, righteously, and godly, in this present world; looking for that blessed hope, and the glorious appearing of the great God and our Savior Jesus Christ.”
Amazing how Scripture and Church teaching are consistent on the roles of Grace, Faith, and Works in our individual salvation!