You can not spot reduce... I don't care what anyone says. There are some good things and bad things said about pgcl but I never used it but you didn't ask about drugs SOOOO the only answer is EAT LESS.... The lower back fat will leave when your body decides it has to burn it.... Or get lipo... If your stagnant you have to create a deficit... It really IS that simple. Move more, eat less, lose fat and THAT fat will eventually go. Hell man, cutler stores body fat there more than most pros so he just has to be spot on for his lower back to be tight. Diff people store in diff places. It's genetics.