Hi ladies! I was fairly active before but mostly a lurker nowadays!

I just need advice on my mom pouch 😔

I’ve done so well losing the weight and I’m actually at my goal weight. I work out as much as I can and have good muscle around my body but my tummy is not shifting!

I hate the stretch marks on my belly button that are caused by my piercing! 🙄
mostly I look okay especially from a distance but this is the reality. I am wondering whether this requires a mini tummy tuck? It hangs a little... in terms of the belly button, it is in a bit of a bad shape... anything that I can do or are these requiring surgery to get back to normal?
All opinions very much appreciated 😊

Ps my baby is 3 years old!