"
5 to the one who does not work,
but believes" Romans 4:5
Are you the one who does not work, or the one who believes?
Let me try to explain from a REFORM point of view the subtle difference (I'm not trying to change your mind)
1) Faith cometh by hearing Roman 10:17 (not all that hear come to believe, but this is necessary precursor)
2) The Spirit regenerates (born again) those God chose (the elect)
3) Step 2 causes one's desire to change with no work done by recipient (He now has Saving Faith)
4) everyone of step 3 is saved, no changing their Belief
5) we are justified by faith (Romans 5:1)
Same thing from Arminian point of view (lot more variance among individuals as to how this works IMO)
1) Faith cometh by hearing Roman 10:17 (not all that hear come to believe, but this is necessary precursor)
1b) Prevenient Grace to everyone to overcome depravity
1c) God's work in regards to saving a man is complete. Man does work (work is defined as doing something for a purpose) of believing salvificly thus he has Saving Faith
2) The Spirit regenerates (born again)
4
) One must continue the work of believing till he dies to be saved OR ALTERNATE OPINION ... God's takes away 'free will' so one continues to believe salvificly till he dies
5) we are justified by faith (Romans 5:1)
So, Reform theology has
God doing all the work leading to and continuing salvific faith till death (John 6:29)...
and
Arminian individuals work with God to save themselves. Thus, reform think they do no work to be saved and believe Arminians believe they must do work to be saved.
Aside: Arminians theology is not organized such that one can seek out details of their theology by going to a central source so I am sure they will disagree amongst themselves and with me as to the process above.