James Montgomery Boice wrote on saving faith and repentance,
There is a fatal defect in the life of Christ’s church in the twentieth century: a lack of true discipleship. Discipleship means forsaking everything to follow Christ. But for many of today’s supposed Christians—perhaps the majority—it is the case that while there is much talk about Christ and even much furious activity, there is actually very little following of Christ Himself. And that means in some circles there is very little genuine Christianity. Many who fervently call Him ‘Lord, Lord’ are not Christians (Matthew 7:21)...There are several reasons that the situation I have described is common in today’s church. The first is a defective theology that has crept over us like a deadening fog. This theology separates faith from discipleship and grace from obedience. It teaches that Jesus can be received as one’s Savior without being received as one’s Lord...Discipleship in not a supposed second step in Christianity, as if one first became a believer in Jesus and then, if he chooses, a disciple. From the beginning, discipleship is involved in what it means to be a Christian....Is ‘faith’ minus commitment a true biblical faith?...If faith without works is dead—how much truer is it that faith without commitment is dead...True faith involves these elements: knowledge...heart response...and commitment, without which ‘faith’ is no different from the assent of the demons who ‘believe...and shudder’ (James 2:19) (James Montgomery Boice, Christ’s Call to Discipleship (Chicago: Moody, 1986), pp. 13, 14, 16, 21).
In one of Jesus’ most important sayings about discipleship...the Lord pictures discipleship as putting on a yoke. This suggests a number of things, but chiefly it suggests submission to Christ for His assigned work. It is the picture of an animal yoked to others as well as to a plow.
A yoke is also the connection between submission and subjection. ‘Submit’ comes from the two Latin words sub (meaning ‘under’) and mitto, mittere (meaning ‘to put’ or ‘place’). So submission means putting oneself under the authority of another. ‘Subject’ also comes from two Latin words, in this case sub (meaning ‘under’) and iacto, iactare (meaning ‘cast’ or ‘throw’). It means being put under the authority of another. In other words, although the first word has an active sense (I put myself under another’s authority) and the second word has a passive sense (I am placed under that authority), the idea is nevertheless essentially the same. Moreover, it is connected with ‘yoke’ in this way. In ancient times it was customary for a ruler, when he had conquered a new people or territory, to place a staff across two upright poles, perhaps four feet off the ground, and require the captured people to pass under it.By this act they passed under his yoke or submitted to his authority. When Jesus used this image He was saying that to follow Him was to submit to Him. It was to receive Him as Lord of one’s life (James Montgomery Boice, Christ’s Call to Discipleship (Chicago: Moody, 1986), p. 19).