Yo' mama is so stupid, she put a quarter in a parking meter and waited for her gumball.
Parking Meter Gumball
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Explanation
Explain Bear
Listen up, buttercup. This "yo mama" joke is saying yo mama isn't the sharpest tool in the shed. She's so dumb that she mistakes a parking meter for a gumball machine. Parking meters are for paying to park your car, not for getting a sweet treat, ya dingus.