The 6-year old son of redditor Otto303 asked his father for a $20 advance on his allowance. Essentially, he asked for a loan using expected future revenues as collateral.
The father drafted a professional bank letter in response, rejecting the request and explaining why the Dad Savings & Loan (tagline: "Because Apparently I Look Like I'm Made of Money") regarded the child as a poor loan risk. The child has the option of appealing to the loan dispute manager, who is also known as Mom.
You can see a larger photo of the letter here.
-via Lost at E Minor
See more about baby and kids at NeatoBambino