In a humorous twist of family finance, a young boy recently asked his father for a $20 loan, only to receive a comical rejection letter from the self-proclaimed “Bank of Dad.” When children enter your life, it often feels like you’ve stepped into a role where your pockets have endless holes, as they seem to consume money at an astonishing rate. Kids require necessities like food, clothing, and hygiene products, but their desires extend far beyond those essentials. Without the means to earn their own money, they inevitably turn to their parents for help.
One father from St. Louis, having been approached by his six-year-old son for funds one too many times, decided to have a little fun with the situation. The boy had been asking his mother for $20 to purchase a toy throughout the day, despite being turned down multiple times. In a last-ditch effort, his mother sent him to ask his dad.
The father, recognizing that the term “loan” was new to his son, crafted an elaborate and humorous rejection letter to send back with him. He designed an official-looking letterhead for the “Bank of Dad” featuring a sad lion mascot and the amusing tagline: “Because apparently, I look like I’m made of money.”
The letter itself was filled with banking lingo, reading: “We regret to inform you that we are unable to provide a loan in the amount requested of $20.00. After reviewing your account, we have found insufficient funds and a troubling history of uncompleted chores. Furthermore, over $80.00 has been spent on discretionary entertainment expenses since Christmas. This unsustainable spending makes it impossible for us to assist you further at this time. If you would like to contest this decision, please reach out to our complaint department at [Mom’s cell number]. Our dispute manager may be able to influence a reversal of our decision.”
The joke was intended, primarily, to amuse his wife when their son returned to her, letter in hand. The father admitted that while he was teaching his son about money management in other ways, this playful act was purely for his wife’s entertainment. The letter’s humor resonated with many, as the boy’s mother shared it on Reddit, where it quickly gained popularity among parents, amassing nearly 5 million views.
The father noted, “We thought other parents might find it relatable,” and they were right. Many expressed their intention to use the letter for their own children’s future loan requests. One commenter even joked, “As a father of a two-year-old, I’m saving this for later,” while another quipped, “You made this? This is mine now!” It seems that many parents are ready to deny their children’s loan requests with this official template in hand.
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In summary, a St. Louis father creatively rejected his son’s loan request by crafting a humorous letter from the “Bank of Dad,” which quickly became a hit among parents online. The letter not only served as a funny anecdote but also sparked a trend of parents adopting similar tactics to manage their children’s financial requests.