Why do men have belly fluff and not women?

Men tend to accumulate more belly fat, often referred to as "belly fluff," due to differences in hormonal profiles. Testosterone in men promotes fat storage in the abdominal area, whereas estrogen in women tends to favor fat distribution in the hips and thighs. Additionally, lifestyle factors and metabolic rates can also contribute to the differences in fat distribution between genders. However, both men and women can develop belly fat based on diet, exercise, and overall health.