It includes everything that you mention. I know people who constantly read books about finances, health, relationships, ... . They are broke, health is terrible, depressions, ... . If they would just apply what they read, it would be fine. But they don't.

And then there are the 'sales type'-guys if you know what I mean. They just talk and do: have their finances more or less straight, have a family, lots of social connections, ... .

I agree that both thinking and doing is best (as hopefully most here are doing). But if I have to choose, I would choose doing over thinking.