A six-year-old boy decided to take a financial plunge by asking his father for a loan, resulting in a side-splitting rejection letter from the “Dad Bank.” When you become a parent, it often feels like your wallet is perpetually open, as kids have an uncanny ability to exhaust funds faster than they can consume a meal. Beyond basic necessities—food, clothing, hygiene, and medical care—children also have their own desires. Since six-year-olds lack job opportunities, they typically turn to their parents for support.
The Loan Request
In a humorous twist, one father from St. Louis, tired of being his son’s personal bank, received a request from his little one for a $20 loan. This came after the child had already tried to convince his mother to cough up the same amount for a toy, despite her repeated rejections. So, the mother redirected him to his dad, thinking perhaps he would have better luck.
“I realized ‘loan’ wasn’t a word he usually used; it was his mom’s idea,” chuckled the father. Instead of just saying no, he crafted a comical rejection letter, complete with a professional-looking letterhead featuring a forlorn lion mascot and the tagline: “Because apparently I look like I’m made of money.” The letter was filled with amusing banking jargon, which was way over the head of the six-year-old, who wouldn’t even be able to read it.
The Rejection Letter
The letter stated:
“We regret to inform you that we are unable to approve your loan request of $20.00. After reviewing your account, we have determined that you currently possess insufficient funds, along with a concerning history of incomplete chores. Additionally, your discretionary entertainment expenses have exceeded $80.00 since Christmas, and we cannot contribute to further financial strain at this time.
Should you wish to challenge this decision, please contact our complaint department via Mom’s cell phone number. Our dispute manager may be able to help you overturn this ruling.
Thank you for choosing DAD Savings and Loan. We value the opportunity to serve your financial needs.
Sincerely,
Dad
CEO, DAD S&L
St. Louis, MO 63126”
The father even cheekily encouraged his son to reach out to the “complaint department,” meaning his mother, for any appeals. Although the humor was likely lost on the young boy, the main aim was to bring a smile to his wife’s face.
The Viral Sensation
Upon sharing the letter with his wife, she found it hilarious enough to post it on Reddit, where it quickly garnered nearly 5 million views. “We thought other parents might appreciate it too,” the dad shared, and they were right—many parents resonated with the situation and expressed plans to utilize a similar letter in the future.
As one parent of a toddler remarked, “I’m definitely saving this for later.” Another chimed in, “You made this? It’s mine now!” It seems many kids may soon receive their own amusing loan rejections, thanks to this clever dad.
Further Reading
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Conclusion
In summary, a creative father’s rejection letter to his son for a loan request turned into a viral sensation, illustrating the humorous side of parenting finances while also delivering some valuable lessons.