Cutting fat off waist/ love handles

swclifton

I'm trying to cut the final 10-15 pounds of "flab" around my middle. I am doing good on getting it down. I wonder how to get my fat % down below 20%. I think that the fat at 21% is what is causing me not to lose the middle section. I know you can't spot reduce fat, but want to get it off there to get working on my weight building in chest, arms and abs.