Mother: Well, that's because I'm wearing a shirt.
5-year-old Child: Well, little boys can not wear their shirts.
Mother: That's fine. But then little boys can be cold.
5yo Child: You should turn up the heat.
Mother: No. Heat costs money. You should put on a shirt.
5yo Child: You could just go to the bank and get more money.
Mother: No. I have to go to work and I get paid money. Then I put the money in the bank. The bank just doesn't give you money. You have to work for it. Mostly.
5yo Child: Well you should just work more and get more money.
Mother: Even if I work more, we still won't have enough money to pay for more heat. You should put a shirt on.
5yo Child: You can just turn up the heat.
5yo Child: Because I'm cold.
Mother: If I turn up the heat, I will have to spend more money on the heat....
5yo Child: Yes.
Mother: ...and I will have less money for birthday and Christmas presents.
5yo Child: Okay
Mother: Which means you will only get one Christmas present.
Mother: The rest of your Christmas present will be the heat.
5yo Child: What if I put a shirt on?
Mother: More presents.
5yo Child: I think I'll put a shirt on. Even though boys don't have to wear shirts.
Mother: Good idea.