@jesseyoung20 5"0' and when my palm touches my ribs, my fingertips dig into my hip bones
... crop tops meet the top of my mid rise pants, so I'm pretty sure I'm one of these folks. High rise pants make me look like a grandpa, but it doesn't stop me from wearing them!
I carry my weight in my stomach, back and arms. Low carb, low fat, medically supervised 900 VLCD, and cutting back on alcohol has led to a significant size difference in my stomach over the past 3 months. According to my weight loss clinic, I've had quite a reduction in my visceral fat, going from 15 to 10 in 2 months (yay). I still have a little gut, so I still have lots of room to keep going. 17 pounds down between Jan 4 and April 5 and working on 5 pounds increments until I figure out a happy and healthy weight.
You can do it! It will take commitment to changes, but it will be worth it and you'll feel a lot better, not just about your torso!