The above scripture posted by Tom sums up what I believe.

I believe in the doctrine of pre-destiny because there is nothing that I can do to warrant or merit my salvation or my entry into heaven. I must rely exclusively on the merits of Jesus for entry into his kingdom. Others, such as yourself, may have the ability to perform enough works to merit your entry into heaven; however, I am the most wretched of human souls and, subsequently, I am 100% dependent upon Christ's works and not my own works for entry into heaven. I am in no way being sarcastic or argumentative with this statement. That's just the way it is.
In your opinion, what percentage of a man's salvation is based upon his own works?
Are our own works used to grant us entrance into heaven?
Or are our works simply evidence that we're saved?
Or is the evidence of our works used to save us?
Or is all of this a play on words that simply can't be understood, unless God grants us the wisdom that He has granted you?
Or can we not understand this because we are stubborn? Or maybe we're simply not intelligent enough?