What is the proper understanding of "taking refuge" in Buddhism?

Many years ago, a Zen Roshi said in a class that "nobody else is your boss except for you. Only you can make the decision and apply yourself to practice, nobody else can." So, I've heard this many times from various Buddhist traditions. However, Buddhism also has this idea of "taking refuge" in various things. If you are responsible for yourself what is the point of "taking refuge?" What is the proper understanding of "taking refuge" in Buddhism?