Six-Year-Old Requests a Loan, Receives a Comical Rejection from ‘Dad’s Bank’

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In a delightful twist of parenting humor, a young boy recently approached his father, seeking a $20 loan. This St. Louis dad, tired of being the family bank, decided to respond with a cleverly crafted rejection letter from the fictitious “Bank of Dad.”

As any parent knows, once children enter the picture, the flow of money seems to vanish faster than a magician’s rabbit. Kids are not only in need of essentials like food, clothing, and hygiene products, but they also have a penchant for wanting toys and gadgets. Since six-year-olds are not exactly equipped to earn their own money, they often turn to their parents for financial support.

When the little boy asked his dad for a loan, the father realized this was a classic case of parental influence—his son had been trying to convince his mother for the same amount earlier that day. With a playful spirit, he decided to whip up an official-looking rejection letter to send the boy back to his mom. “I knew he wouldn’t understand all the banking lingo, but I thought it would be hilarious to watch his mom read it to him,” he shared with a chuckle.

The dad crafted a formal letterhead for the “Bank of Dad,” replete with a sad lion mascot and the tagline: “Because apparently, I look like I’m made of money.” The letter itself was filled with absurd financial jargon, humorously rejecting the loan request. He wrote:

“We regret to inform you that we cannot approve your loan request of $20.00 due to insufficient funds in your account and a concerning history of incomplete chores. Additionally, over $80.00 has been spent on discretionary entertainment since the holiday season, leading us to conclude that further financial assistance would be imprudent at this time. Should you wish to contest this decision, please reach out to our complaint department at Mom’s number. Our dispute manager may consider reversing our decision.”

The dad even jokingly encouraged his son to contact the “complaint department” for a chance to appeal. Although the humor was a bit advanced for a six-year-old, the main goal was to amuse his wife when their son brought the letter to her.

The boy’s mother found the letter so amusing that she shared it online, where it quickly gained popularity among other parents, garnering nearly five million views. “We thought other parents might find it relatable,” the father laughed.

The clever rejection letter has inspired many parents, prompting them to consider similar tactics to address their children’s requests in the future. “I’m saving this for when my little one gets older,” one commenter noted, while another declared, “This is mine now!”

In conclusion, this amusing exchange between a father and son highlights the humorous side of parenting while creatively teaching kids about financial responsibility. In the world of parenting, laughter is often the best currency.

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