Is this Matt slick of the radio show?"But to the one who does not work, but believes in Him who justifies the ungodly, his faith is credited as righteousness," (Romans 4:5).
Notice that the verse says when a person believes, his faith is credited as righteousness. If baptism is necessary for salvation then this verse cannot be true.
We are either justified by faith when we have faith, or we are not justified by faith when we have faith.
If we are justified at baptism, then we are not justified by faith when we have faith.
this is off topic, but it might be helpful
I notice you Cough alot on your radio show. I think you are a mouth breather "don't get me wrong" search Joe rogan's YouTube on mouth breathing he has an episode that shows there's a percentage of people who don't breathe correctly through their nose and it affects their respiratory system.