Yo Mama's so fat... whilst she was walking the streets of London, she accidentally bumped into someone, and that someone yelled, "Stupid American!"
Yo Mama in London
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Explanation
This is a classic 'Yo Mama' joke that plays on stereotypes. The humor comes from the unexpected twist: instead of commenting on her weight, the punchline attributes her clumsiness to being American, which is a stereotype that Americans are clumsy. The joke subverts expectations, making it funny.