Im in the same boat , even tho im heavier than you . even when i was smaller the muffin top was still there

its so annoying as ive not had kids yet.
My plan is to lose as much fat as i can of my abs then start exercising my abs , as i know crunches etc can build muscle under the fat and make your belly appear bigger
I cant offer advice just a sympathetic shoulder , as i totally know the feeling