 Grace is God's riches at Christ's expense, God's love in action. It's the undeserved, unmerited favor of God. You don't deserve grace, you don't earn grace, but God gives it anyway by grace. It's like electricity that comes to your house. Now, if you don't have electricity at your house, you can't run any appliance because there's no electricity. But you can have electricity at your house, and if you don't plug in your appliances, they don't work.