It’s wonderful that you read the Word of God! Fantastic! There are many who don’t, so you’re already ahead. That private time just reading His Word is very precious, and it needs to be practiced as well. So I applaud you for being faithful in that discipline.
However, there is a vast difference between knowing what the Word of God says, and correctly interpreting it. Study is necessary if you’re going to excavate His Truth. Studying the Word requires a studious heart, and for some that heart must be cultivated, because it doesn’t come naturally. Some people are not inclined to study for diverse reasons. They never liked school, they may not have good study habits, or they are content with the simplicity of reading or listening to preaching.
If this is you, I encourage you to begin with small studies. Do little bits at a time. Consider three verses on a topic. Do fifteen minutes. Divide a study into segments. I believe the personal benefits of study are enormously rewarding. I believe that if you’re willing to try this, you’ll be surprised at what Christ will teach you. The investment is worth the benefits. That intimacy with Him in His Word goes deeper, yielding an even greater intimacy with Him that brings transformation in you through that revelation of His Truth.