More than nearly anything else you should fear the day that you come to believe you ARE walking in perfection, for on that day you are lost.
That is what is ment in
2 Nephi 25
23 For we labor diligently to write, to persuade our children, and also our brethren, to believe in Christ, and to be reconciled to God; for we know that it is by grace that we are saved, after all we can do.
We are to have faith and exercise it in doing the will of the Lord and he will make up the difference for us that is the grace part!
All those who believe in Christ have grace in general, but your reward comes by how much effort you put into striving to keep his comandments.
Matt. 10:
41 He that receiveth a prophet in the name of a prophet shall receive a prophet’s reward; and he that receiveth a righteous man in the name of a righteous man shall receive a righteous man’s reward.
42 And whosoever shall give to drink unto one of these little ones a cup of cold water only in the name of a disciple, verily I say unto you, he shall in no wise lose his reward.
Matt. 16:
27 For the Son of man shall come in the glory of his Father with his angels; and then he shall reward every man according to his works.
Rev. 22:
12 And, behold, I come quickly; and my reward is with me, to give every man according as his work shall be.
Ah.. but without the grace of Christ.. no matter what your works, you are never going to be able to win your way to Heaven. All of us fall short, none of us are worthy based strictly on our works. Our obligation is to strive to the best of our ability.. whether or not we have done so only God will be able to judge.