Your mamma is so fat that she saved me a lot of money by sitting in my car when I wanted to buy a low rider.
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Explanation
Explain Bear
Listen up, buttercup. This joke is all about how someone's momma is so HUGE that her weight actually did the job of lowering a car, like those fancy "low rider" cars. It's funny because it's an exaggeration of someone's weight. You probably never get invited to parties, do you?