"We can reconcile Paul and James by taking into account the factor of time (something systematic theology, with its abstract methodology, tends to leave out). Initial justification — the pole the Reformers focused on in their disputes with Rome — is by faith alone. Hence sola fide must stand unchallenged. Final justification, however, is according to works. This pole of justification takes into account the entirety of our lives — the obedience we’ve performed, the sins we’ve committed, the confession and repentance we’ve done.”
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This is from Rich Lusk's essay "Future Justification to Doers of the Law.”