Since you ain't a chick anymore, that waist fat is probably hormones. My very slim ride partner and I are both of the same age and last summer we started noticing that we were adding fat to our middles, where no fat had been before. No change in diet, no change in riding miles we were putting in but the fat appeared anyway.

And it's stubborn - the only thing that worked for her was reducing the amount she ate for normal meals and saving those calories for nutrition while she was actually riding. I'm not that strong, yet - I'm still in the "weeping with frustration" phase!

Dang that estrogen, anyway!