You're Catholic? I was raised Anglican, and one of the very things that taught me that baptismal regeneration was untrue is the state of the Episcopal Church today. I was rebaptized as a believer in the ***embly of God. However, we are saved by faith, not by water baptism.As Walter martin makes very clear, the baptism of a person is an outward sign that salvation has come into the person's heart.
This is why people in the Bible are clearly saved and Christian, yet had not yet been baptized.
Now for some different christian churches we see them teach that "You must be baptized', however I also know that within the teachings of a church like the Catholic church they also do have a 2nd teaching that holds that if a person was seeking to be baptized yet is unable to be baptized and dies, God will take this into account.
Thus even for Catholics if being baptized was truly 100% needed to be saved, then God could not take our faith into account...