How old are you? One thing I'm personally finding is that as I get older, I tend to carry my bodyfat in my lower back - like I"m cutting down to 6% and the stuff in my lower back nearly the last to go. This has been since I turned 40. I also have male friends who are ultra experienced competitive BB's who still carry fat in the kidney area. One guy keeps around 5-6% w/o working at it and cuts down to 3.5% for competition and still struggles w/ fat in his lower back as he approaches 40.





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