The quote in the header is from Frank Secich‘s Circumstantial Evidence, a look back at a life which could easily have been one long stint at various penal institutions instead of sixties and seventies music venues. Secich (pronounced SESS-ich, by the way) admits in his book that he was on the cusp but never really made the leap, thanks to music and the people involved with it. One such person was Ray Chizmar, a musician and early idol to Secich who would always greet him with “What do you say, Ray?” to which Chizmar replied “Whatcha got in the bank, Frank?”
Segarini: Don't Believe a Word I Say 