It’s mostly hormones controlling fat distribution, which I guess you could call genetics. If you have med-high oestrogen, then you get a lot more fat in your lower body. If you have mid-high androgens, then it stores in the abdominal and upper chest. Men and post menopausal women have higher androgen, while women in fertility years will have higher oestrogen. Obesity can increase either and cause weird fat distribution for either gender.
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