A distressing gap exists between the public's expectations for retirement and the reality.

I think expectations might be preceding reality, ... In the long run we've got some real opportunity here, but we've come a long way too quickly. We may need to ratchet it back a little and set a new foundation to grow for the rest of the year, but continuing at this pace is going to be difficult.

There were two ways to be happy: improve your reality, or lower your expectations

I'm all about high standards and high expectations, but I'm also about practicality and reality.

Retirement at sixty-five is ridiculous. When I was sixty-five I still had pimples.

I don't even think about a retirement program because I'm working for the Lord, for the Almighty. And even thought the Lord's pay isn't very high, his retirement program is, you might say, out of this world.