Why do you call me Lord?

In the rush of life these past weeks, I made myself finally sit down to pray this morning. I started out, "Lord,..." Then my thoughts went to these verses below, namely the part in bold. (Go down and at least read the bold part.) That was truly scarey! I am thinking I have been living my life based on what I know, but not at the feet of Jesus daily. I have failed lately too in my responses to people. That scares me when I think of the foundation story below also. Convicted again! Based on these, I need to remember to humble myself under His Lordship and quit acting like my life is my own.
Matthew 6:44-49 "No good tree bears bad fruit, nor does a bad tree bear good fruit.
Each tree is recognized by its own fruit. People do not pick figs from thornbushes, or grapes from briers. The good man brings good things out of the good stored up in his heart, and the evil man brings evil things out of the evil stored up in his heart. For out of the overflow of his heart his mouth speaks. "Why do you call me, 'Lord, Lord,' and do not do what I say? I will show you what he is like who comes to me and hears my words and puts them into practice. He is like a man building a house, who dug down deep and laid the foundation on rock. When a flood came, the torrent struck that house but could not shake it, because it was well built. But the one who hears my words and does not put them into practice is like a man who built a house on the ground without a foundation. The moment the torrent struck that house, it collapsed and its destruction was complete."