His grace is both outside me and inside me. Freely accounted righteousness- grace, through the Son, is credited to me from the outside; freely given godliness-grace, through the Spirit, is worked in me on the inside (Eph. 2.8-9)
Dane Ortlund
8 For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, 9 not a result of works, so that no one may boast. (Eph. 2:8-9)