I am twenty-one and have been pretty active my entire life. As a college student, I have plenty of time to work out, but I don't always have the motivation to do so. Since high school, I have been trying (off and on) to get and maintain a flat stomach but more importantly just to have a overall low body fat percentage. I go through ups and downs. I currently weigh around 150 and I want to weigh around 130. Last year I was able to get to 134 which made me happy, but I never saw the physical results that I desired. I need help developing a work out and diet plan that will shed fat (especially in my lower abs). Stats: 5'9'', medium-small frame, 150lbs, 24% BF. Goal: 130lbs or less, 15% BF. Any help will be greatly appreciated.