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When a woman gives birth to a child of any kind, she is referred to as a mother. For a woman to naturally deliver a child, she is required to have a vagina, also known as a pussy or coochie. To support her new child, a mother typically carries a bit of extra weight, most of which will go to her pussy, thus making it fat, but as the word fat is undesirable, the replacement becomes phat. When the mother is unarguably spending all her time caring for the child, she may miss a few baths, thus her coochie becomes a bit smelly, or stinking. Thus, we have urmumsstinkingphatpussy or umspp.
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