Once again MacArthur nails it. I think this is the number one biggest problem today. Just "believe" , say the sinners prayer and that's it. No need to put on the righeousness of Christ.
So salvation is the result of HARD WORK, huh? Are you saved because you believe, or are you saved because you work real hard at it?
Not hard at all friend, but quite different from the current theology of "I can do whatever I want because I'm saved." I suggest that you read MacArthurs "The Gospel According to Jesus" for a thorough and better explanation.