That last bit of fat

Hey guys,

I'm 24M, 6'1", 165 lbs. About 2 years ago I used to be around 200 lbs. In fact, for the longest time I can remember I've been between 200-220 lbs. But I've been working out and I've seen massive changes. Strength, stamina, agility, overall health. I have become lean and want to accomplish a lean, muscular physique.

The last bit that I wanna conquer is some fat on my gut. I am in this weird shape right now where I have a 4 pack and then a bunch of fat under that. It's folded over my gut to the point I can hardly see my belly button. I also have love handles.

My workout has me going to the gym about 4 times a week where I do about 20 mins of cardio and 45 minutes - 1 hour of weights/strength training. I play various sports 2 days of the week.

I have been trying to eat well, prioritizing protein. For breakfast I have oats with milk, banana, and berries. For lunch I have bread, hummus, and protein shake. For lunch I have a beans and tofu salad with greek yogurt. I am vegetarian.

How do I get rid of that last bit of fat?

Thanks!