The extreme form of this answer says that this savior does everything needed to save us. We don't contribute to it at all, but instead we get it as a free gift. The question of our justification may be underrated. As I said this question is perhaps hidden behind the cares of this life. This question may not occupy much of your attention.
Some people never ask it.
This question is actually an important one. We each need to stop and consider it. We need to slow down and meditate upon it. All have sinned and fall short of the glory of God. This shows our failure.