"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!"
"Boy, your mouth is writing checks your ass can't cash."
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