Your mum is so smart, but she still can’t figure out why she had you.
Your Mum So Smart
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Explanation
Explain Bear
Listen up, buttercup! This joke is all about your MOM! The author is suggesting your mama is so bright that she can't understand why she decided to bring YOU into this world! It's a low blow, implying you ain't the sharpest tool in the shed, which is probably why you are asking a bear to explain jokes to you.