Is there a difference? Some may argue that there is, while others believe there isn’t. To me, I see a considerable distinction between them.
Praying to God typically involves calling upon Him for a favor—whether for protection, healing, or another specific need. This is usually done through structured words or set prayers. On the other hand, talking to God is more informal and personal. It's like sitting down and expressing yourself to Him as you would with a close friend. There’s no set way to do it; you simply share your thoughts, feelings, and experiences with Him. If you want to tell God about your day or express gratitude for a blessing, you can just speak freely without following a formal structure.
We are always welcome to communicate with the Creator of the heavens and earth. When you are upset, you can talk to Him and express yourself. God understands all our moods and knows that we can be in any emotional state at any time. So, whether you are sad, happy, or just want to share something, you can always talk to Him.
Personally, I mostly talk with God. I reserve formal prayers for when I am in urgent need of assistance. Prayers, in my view, should be like summoning immediate help, and they should be practiced and mastered to be effective.
So, should we talk or pray to God? For everyday living, you should just talk with Him. For instance, if you had a great day, you can say, “Thank you, God, for such a wonderful day.” If you are about to travel, you can say, “God, I am leaving for a trip. Bless my travels and my day.” These simple, everyday words help you get used to communicating with Him. You don’t need to pray formally for these matters; God is open to all of us and hears us all.
Prayers, on the other hand, are more suited for serious situations. For instance, if a family member is seriously ill, someone has been in an accident, someone has passed away and needs prayers for their soul, or you need immediate protection against enemies—these are the types of situations where formal prayers are appropriate. Otherwise, just talking to God suffices.