Getting rid of lower belly fat!

Hi,

So I have that awful lower stomach pooch that many women get after having kids, but I've never had kids and I still have it! I'm not fat anywhere else but it sticks out and looks awkward. I don't know why all the fat goes there because I'm definitely not apple shaped and have a big butt as well (which I want to keep lol).

About me:

I weigh around 145 lbs

I'm about 5'6"

I'm not extremely active but I try to go to the gym at least 3x's a week, and when I do go I usually just do cardio (elliptical, treadmill, etc.)

I try to do ab exercises on Youtube almost everyday.

My diet:

I do not eat meat

I rarely eat dairy

I don't really eat much junk food (except for dark chocolate everyday, which I don't consider junk food and a tall Starbucks frappuccino about twice a week).

I never eat fast food

I do eat a lot of whole grain bread and cereal (the healthy kind)

I try to eat a lot of fruits and vegetables and eat tofu and meat substitutes for protein.

I think my diet is pretty good but you tell me.

I have pictures of my stomach but I'm not sure if I want to post them here lol.

Any tips?