One of my morning devotional books is Hearing God Through the Year: A 365-Day Devotional, by Dallas Willard. Here is from the Sept. 27 entry.
"People of faith sometimes think knowledge is unimportant because they think they should have faith instead of knowledge. But having faith is not the opposite of having knowledge. Faith and knowledge work together. (Instead, the opposite of living by faith is living only by sight.) People of faith often misunderstand grace as well. They think grace is the opposite of effort and since they are “saved by grace,” they should not make effort. God’s grace and our effort work together. (The opposite of grace is earning.)"