I am 5'6 1/2" and slightly over of a 30" inseam and I am on a Mens Medium size Giant MTB. According to the Giant website that is a size 18" . I don't feel that is too big for me..I can reach the floor with no problem with the saddle at the normal height like it is in the picture. The guy offer me to cut the seat post if anything but I feel just fine with it like it is. My torso is pretty equal in length with my legs so maybe thats why. I don't know much about this but In your case it looks like def your reach to the handlebar is the problem and they should have put you on a smaller bike.



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