I've experienced God's grace myself quite a few times, but it hasn't been that long ago that I just didn't understand it, much less accept it.
When my mom passed away 22+, one of the sympathy cards had that written in it, "His grace is sufficent to you". My instant reaction was "HUH??? And just how it that going to help me??" I even asked my minister at the time. He must not have known either because I never got a straight answer from him.
I understand a lot better now.
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Psalm 119:105 Thy word is a lamp unto my feet, and a light unto my path.