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Aerobic exercise burns off abdominal fat, but if you're not overly heavy you don't want to do too much because it will interfere with muscle development. The best approach is to do 30-45 minutes of cardio three times a week and do weight training two or three times a week. Work your entire body, and do abdominal exercises every other day. If you can do more than 20 reps with crunches, make them harder by holding a weight on your chest. Do three or four sets, and a few sets of another ab exercise.