It's your mom or you can make funny/goofy ahh jokes about the other person's mom
Guy 1: Your mama is so fat
Guy 2: how is my mom fat
Guy 1: when she jumped in the ocean a tsunami happened
Crowd: OHHHHHHHHHHHHHHHHHHHHHHHHHH
Can be used an insult or used in a joke
“Your mama so dumb she studied for a Covid test” or “haha your mama!”