"Your mouth is writing checks your ass can't cash," is something TV Dr. Phil McGraw's father said to him as a boy when he would voice wild plans or notions. It means that talk is cheap relative to performance, or that promising something and delivering on it are two different things. A phrase similar in meaning is "Money talks, bullshit walks."
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"I'm going to get a job selling fuzzy dice door-to-door. I'll be rich!"
Fogey/fogy /fougi/ sl. (early 18C+, orig. Scot) old-fashioned, stuck-in-the mud.
Person with old fashioned ideas which he is unwilling to change: Come to the disco and stop being such an old fogey!
You think me an old fogeyand an old tory, his thoughtful voice said. I saw three generations since O’Connel’s time. I remember the famine. Do you know that the orange lodges agitated for repeal of the union twenty years before O’Connel did or before the prelates of your communion denounced him as a demagogue? You fenians forget some things. (James Joyce, Ulysses. Penguin Books,1992. p. 38)