How do you effectively get rid of lower ab fat, the fat below your belly button?
You can effectively get rid of lower ab fat or the lower belly fat by changing your diet to include some vegetables, lean proteins and less fats and sugar. You need to do at least a half an hour of cardio three times per week. Check out http://www.livestrong.com/article/186419-how-to-get-rid-of-lower-abdominal-fat/ to learn more.
Diet and exercise. Cut out sugar, fat, excessive carbs, run, Sit-ups, crunches. Lower abdominal fat is hard to lose, look for exercises that target that specific area.