Fat above belly button

I have lost 18 pounds in 3 months along with 4 inches off my waist (belly button area) - however ABOVE my belly button it sticks out probably 2 inches more than my "waist". It's gotta disappear right? I mean I feel dumb here - but I have this muffin top when sitting and standing in jeans - yuck. Any help would be great! Oh, should say I have lost 3 inches off bust, 1 off hips, 1/2 off biceps and thighs. So I am losing inches in other areas. :glasses: