"Is Jesus your personal Lord and Savior?"
I was asked the question in college just about each week I attended the after-church-social-time at the coffee bar down the road from the church. I did not have much money and discovered that the evangelical church had money and would buy deserts in bulk. I participated in worship but then sat through the social time so I could take a few of these baked "meals" to go.
This important question is not one to scoff at. It is a question about your priorities, values and how you were living them out. If Jesus is your personal Lord and Savior then that means that your priorities and values reflected those of Jesus. Christians think that the priorities and values of Jesus are very good and trust that the world is transformed when they are lived out.
Too often when we think about this question of Jesus as personal Lord and Savior, we (the Church) has failed to communicate what just that means. We have gotten lazy and just let the fringe define what this means. So let me be clear: accepting Jesus as your personal Lord and Savior is not a punch card to heaven. It is not the secret code or the earned merit to get access to the Grace of God. Accepting Jesus as your Lord and Savior is personal, it is not private. And therein lies the difference.
Jesus is not your private Lord and Savior. In fact, Jesus not not anyone's private Lord and Savior. Jesus does not do private. Jesus is very personal, but not private.
Accepting Jesus as your personal Lord and Savior means at the very least you are living with those you find abhorrent and frustrating. It means being committed to upholding the value of another person even if you are repulsed by them. Yes, we need to keep proper boundaries when there is abuse, but boundaries drawn to isolate ourselves from everyone so that we live "just me and Jesus" is a misunderstanding of boundaries.
If Jesus is your personal Lord and Savior than it means that you have given up the idea of exclusively practicing spirituality or religion on your own "private" time and "private" way. If your relationship with Jesus is private then you are treating him as your butler, not your Lord.