While cardio is usually recommended for fat loss, the best fat loss results often come from making better nutritional choices. Running on the treadmill might put you 300 calories in the hole. This can otherwise be accomplished by foregoing the Twinkies after dinner. One of the biggest problems skinny-fats face is, quite simply, skinniness. What is cardio-ing yourself to death in the name of fat loss going to do without a muscular body to uncover underneath of it all? The correct answer to this question: it’s going to transform you into a ghastly, bony, and lanky person with a whole new bag of psychological issues.


https://www.youtube.com/watch?v=bm3APMpAcxU

It's genetic. When I ate too much in the past, fat deposited at my belly and cheeks only. All I did was reduce my intake of calories and exercise(lifting and moving long distances).