The only time I ever had belly fat was when I went to college and lived on bagels, carrots, and froyo. I was always hungry, always eating something, and couldn't understand why I wasn't super lean for the first time in my life. I went to see the nutritionist and she suggested eating normal food according to hunger and fullness. So waiting for a good stomach growl, choosing a good meal or whatever sounded really delicious, eating to satisfaction, and then no food or caloric beverages between hungers. Sounds like common sense but none of us had any haha. For me this usually meant 2 or 3 meals and I quickly lost the 15 pounds and they haven't returned yet. As I've gotten older though, I notice my hungers are satisfied with less food. My husband is also lean and well built and I notice he eats half of what he did when we were 25, not on purpose, he just eats inuitively ( we are 40s and don't really exercise on purpose) Ask yourself if you are controlling your intake or denying yourself what you really want to eat. Or maybe eating by the clock or calories or plate size instead of your own internal wisdom.