Ryrie defines regeneration, referred to in Titus 3:5:
“[Regeneration] is connected with the accomplishing of our salvation by the ‘washing of regeneration’ that brings new life to the one who believes. . . . the term literally means to be born again. . . . Theologically, regeneration of individuals precisely means that act of God which imparts eternal life to them. . . . Regeneration is that which begins the new life; it is the new birth.”
The Holy Spirit indwells the repentant believer whose human spirit and soul (mind, will, emotion) are guided by the Spirit into a life of righteousness patterned after the person and life of Jesus Christ.