Until He is Lord of our lives, we cannot grow in Him. Only those who are in Christ under the shed blood at the cross can make a declaration that He is their personal Lord and Savior. This comes after salvation, as the Holy Spirit begins to help us grow -- be progressively sanctified in addition to our being set apart for holiness as occurred when we received the Spirit. When we are still in our sins, then our favorite one is our "lord." For me, it was alcohol and gambling, lying, cheating, and eventually, stealing by use of financial instruments. (Don't be shocked. It's in my blog.) Money, it could be said, was my "lord." But now, Jesus Christ is Lord of my life. I occasionally try to sit on His throne, but that lasts about as long as the first major decision of the day takes to make. Then I give it back to Him. It's His, after all.