what can I do to get rid of that bra fat and also since turning 40 I am getting love handles right around the waist of your pants in the back. I know you cant sot reduce but what can I do to tone it up and shrink it. Its gross. I know lat rows is one exercise but how often and what about the fat in the waist area that pudges out when your pants are on, no muffin top its reverse in the back. I never had this before.