i think you have misunderstood her late bloomer comment. a late bloomer is one who becomes their own person later in life. that is the usual meaning of the expression which refers to one's career and personal talents. she wasn't commenting on when you started your period or your sexuality. lol! she was just being witty or making a pun on your initial comment and that shows intelligence. i agree that she isn't dumb just because she doesn't have a college degree. there is a difference between being educated and being intelligent.

now her comment about you being spoiled was definitely rude. if she does say something rude to you deal with it directly but without being rude in return and don't put your bf in the middle of you two. you live next door to her and she's your bf's mom so you might as well try to understand her. i would do your best to get along with her and stop judging her. it sounds like you are probably from different backgrounds, and so it is good to try to understand where she's coming from rather than judging her. different is not wrong; it is just different. why not extend the olive branch and try to find something the two of you can do together for fun and to try to create a positive bond?