Work it out doesn’t mean earn it. It means you already have it and need to work it out, live it out.
“...work it out doesn’t mean earn it...”
Catholics believe that salvation is a free gift from God that cannot be earned. We agree on this issue. I repeat Catholics believe that salvation is a free gift from God that cannot be earned.
That gift can be lost by turning away from God by sinning - works are not to earn salvation, works are to keep from sin - evil works can be done as well.