Many people call Jesus Christ “Lord”, but fail to do what He asks of us.
Luke 6:46-47 (NIV)
So the problem is: Calling Him “Lord, Lord”, yet not doing what He says. The Lord clearly states in three steps, what it is all about: coming to Jesus, listening to His words, and acting accordingly. Then, we may call Him Lord.
Luke 6:48-49 (NIV)
Whoever comes, hears, and acts accordingly, shall build his house on a rock. Jesus is that rock. When life gets rough, you will be glad it was built properly.
Whoever hears, but does not do what Jesus says (who is not obedient) can have a nice house, as well. But one day, it will become apparent that it has no foundation. As soon as something terrible happens, the house will collapse.
Come to Jesus Christ, read His Word, and act accordingly. Being obedient to Him means laying a foundation for our lives, on which we can stand when the storms hit.