About age 30 to 35, most men (and some women) notice they are gaining weight around the middle (Belly fat/Beer Belly). This sort of fat accumulation greatly increases the risk of cardiovascular and other diseases.

Most people realize that excess fat is unhealthy, but the key is where the fat is distributed. People with apple-shaped bodies (fattest in the abdomen) have a greater risk of heart disease and diabetes than those with pear shapes (fattest in the hips, buttocks, and thighs).

Does age play a role in gaining belly fat?
As you age, your levels of free testosterone decrease, and levels of estrogen and insulin increase. This is partly because aging men convert much of their testosterone into estradiol, a form of estrogen.

How does Low Testosterone cause obesity?
It is already known that obesity decrease testosterone levels and that low testosterone levels cause obesity, creating a vicious cycle. It is also known excess weight will overwhelms both leptins and testosterone.

What should you do?
Firstly, you will need to be more active. Remember, fat is stored energy. To get rid of it, you need to burn more energy (calories) than you eat. Get out of bed earlier, turn off the TV, walk to your office if possible, etc.

Secondly, you'll also need to eat the right foods ( healthy eating habit). I know it's a cliché, but a flat stomach is made in the kitchen and not the gym.

To lose belly fat, eating right and be more active, needs to become a habit, not just something you do when you have the time.