I don't recall the reference, I listened to him all the time growing up. The value of going to church for the sake of just going to church would be like a leaky bucket because one cannot be filled to overflowing if the attempt of salvation is based on going to church. Walter Martin talked about works oriented salvation as being an error, and I agree with him as a Catholic that salvation comes from God alone; works only demonstrates an interior life changed by God and so as a Catholic I would go further to understand Paul's statement to work out one's salvation to be of a different scriptural p***age context that does not contradict with many of the Reformer's ideas.