Tummy Fat....

I'm sure a lot of people will say this...
But you can't spot reduce. Combine cardio with strength training and a good, nutritionally dense diet and you'll see a change all over your body- including your tummy.

They say abs are made in the kitchen- I'm not 100% sure on the science on this- but I do believe in eating right, and working hard.

Good luck!

You have to lose the fat to have abs. Doesn't matter how much muscle you have there if it's buried under a pile of fat. Unfortunately belly fat is usually the last to go.