What actually works?
A balanced diet with a real calorie deficit and honest portions, enough protein to keep you full and protect muscle, and a mix of resistance training and cardio, not just endless cardio and too little food.
Does stress make it worse?
Yes. Chronic stress can contribute to fat storage around the middle, on top of whatever your food and training are doing. Sleep and stress management are not separate from fat loss, they are part of it.
Can I target belly fat specifically?
No. No exercise or food burns fat from one spot. Lifting builds the muscle underneath, and the deficit reveals it, for the whole body, not just the middle.
What should I do first?
Fix your protein and your steps before you touch your calories further. Most of the "stuck belly fat" problem is really a consistency problem.
Coaching, not medical advice. Read the health notice.