The expression "talk is cheap" is fairly simple to figure out and the meaning behind it has been a common message for centuries. Even Scripture shares the truth in Proverbs 14:23, "In all toil there is profit, but mere talk tends only to poverty.”
There's a time for talking and a time to get to work. If we only talk about action we won't ever get anything accomplished. Figure out what you need and want to do. Develop a plan to make it happen and then go do something about it.