What's the difference between a hoe and a prostitute?
One is a tool. The other is your mom.
Hoe vs. Prostitute
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Explanation
Explain Bear
Alright listen up, genius. The joke is saying a "hoe" can be a garden tool, but also a derogatory word for a promiscuous woman. The punchline is that the listener's mom is a prostitute, which is an insult. You're probably as dumb as a bag of hammers if you didn't catch that.