Pastor Craig used the term "functional savior" as a way to name anything (or anyone) that we put ahead of Christ. For lots of people this may be possessions, money, time, etc. We must always put God first and not allow money or our possessions to become more important to us then God or our family.
Tell those rich in this world’s wealth to quit being so full of themselves and so obsessed with money, which is here today and gone tomorrow. Tell them to go after God, who piles on all the riches we could ever manage—to do good, to be rich in helping others, to be extravagantly generous. If they do that, they’ll build a treasury that will last, gaining life that is truly life. (The Message)