I have a complex theory about abs but I won't bore you with the whole thing. First, yeah, get fat off however you can -cardio and lower calorie intake. Increased muscle mass all around helps too, to burn calories all the time. There are tons of things you can do at home, and I find running to be nice and solitary even though you have to go out.
And of course even though ab exercises won't burn fat from the stomach, the sooner muscles start to show through, the better your waist will look.
Second, belly fat is caused by stress hormones that come out of your liver, because it gets deposited near your liver first. I never had anything like love handles until I had a loss and went through a really stressful time, and boom, there they were. They went away over time. So for that, manage your stress (i know, easier said than done but it can be done).
Third- what is in your intestines? Not many people want to think about that, but have you ever seen older people who have big lower tummies but aren't that fat otherwise? Seriosuly, stuff sits around in there. Meat hangs around a long time because it is hard to digest. Anything your body doesn't tolerate well- if it's bad it says "get out now" and you vomit or have diharreah- but if it's not that bad, your body ignores it and it sits there, especially refined foods without a lot of fiber. So try to figure out what foods make you not feel so great and cut them out. I also do the Master Cleanse, but 10 days of not eating is not for everyone. You could try one of those herbal cleanses.
I am 36 and probably have about 10-15 lbs I'd like to drop but I have a tiny waist and flat stomach, so something is working!