But God, who is rich in mercy, for His great love wherewith He loved us, even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved;) and hath raised us up together, and made us sit together in heavenly places in Christ Jesus: -Ephesians 2:4-6

No unregenerate person has lived so well that God is bound to give him further grace, and to bestow on him eternal life; else it were no longer of grace, but of debt. Salvation is given to us, not earned by us. Our first life is always a wandering away from God, and our new life of return to God is always a work of undeserved mercy, wrought upon those who greatly need, but never deserve it.

Salvation comes from above; it is never evolved from within. Can eternal life be evolved from the bare ribs of death? Some dare to tell us that faith in Christ, and the new birth, are only the development of good things that lay hidden in us by nature; but in this, like their father, they speak of their own. Sirs, if an heir of wrath is left to be developed, he will become more and more fit for the place prepared for the devil and his angels! You may take the unregenerate man, and educate him to the highest; but he remains, and must forever remain, dead in sin, unless a higher power shall come in and save him from himself. Grace brings into the heart an entirely foreign element. It does not improve and perpetuate; it kills and makes alive.

We are bound to view salvation as being as surely a divine act as creation, or providence, or resurrection. At every point of the process of salvation this word is appropriate-“not of yourselves.” From the first desire after it to the full reception of it by faith, it is evermore of the Lord alone, and not of ourselves. The man believes, but that belief is only one result among many of the implantation of divine life within the man’s soul by God Himself. ~ C.H. Spurgeon

https://www.blueletterbible.org/Comm/spurgeon_charles/sermons/3479.cfm