Parenting can often feel like a never-ending financial commitment! Kids have an uncanny ability to spend money faster than you can say “allowance.” From basic necessities like food and clothing to their endless whims, little ones sure know how to make our wallets feel light. And when they want something, where do they turn? Us, of course!
In a delightful twist, one dad from St. Louis found himself on the receiving end of a loan request from his six-year-old son, who was eager to borrow $20. The boy had been hounding his mom for a toy all day, despite her repeated “no’s,” so she sent him to his dad for backup. The father, realizing his son had picked up the term “loan” from his mom, decided to respond with an uproarious rejection letter.
Crafted with the flair of a professional bank, he designed an official-looking letterhead for the “Bank of Dad,” complete with a sad lion mascot and the humorous motto: “Because apparently I look like I’m made of money.” The rejection letter was filled with amusing banking jargon, declaring:
“We regret to inform you at this time that we are unable to provide a loan in the amount requested of $20.00. After reviewing your account, we have found you have insufficient funds, and a history of not doing your chores. Furthermore, over $80.00 has been spent on discretionary entertainment expenses since Christmas. This is an unsustainable amount of expenditure, and we cannot further compound the problem by financially assisting with accruing further debt at this point.”
The letter even included a cheeky suggestion for the boy to call the “complaint department” (his mother) if he wanted to appeal the decision. While the humor might have been a bit too sophisticated for a six-year-old to grasp, the goal was to elicit a laugh from mom. And it worked! When she saw the letter, she couldn’t help but share it on Reddit, where it rapidly gained popularity among parents everywhere.
Parents around the world found the letter relatable and were quick to express their plans to use a similar approach. “As a father of a two-year-old, I am saving this for later,” one commenter wrote. It looks like many kids will soon be receiving their own humorous loan rejections!
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In summary, this St. Louis dad turned a simple loan request from his son into a delightful moment of humor, bringing laughter to his family while cleverly teaching a lesson about money management.