Yo mama is so poor, she asked a homeless guy for money.
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Explanation
Explain Bear
Listen up, buttercup. This "yo mama" joke is all about how super broke yo mama is. Like, she's so poor, she's hitting up homeless dudes for cash. It's funny 'cause homeless people usually need money, not give it. I know you don't get it. You're the kind of guy who thinks mayonnaise is spicy.