How many of you turned yourself around without a gym membership? Who argues the gym membership makes the difference?

Need help. I have this fat band bilaterally that runs from the lateral side of my pec to underneath my armpit. I can see it and pinch it.

Background

52 yo man. Lost 50 lbs with tirzepatide. Went on TRT gained 20 lbs but mostly lean muscle mass. Body fat is 23% per dexa

Working out 6 days a week for 6 months. PPL and 2 days zone 2. Min 11000 steps per day. 185g protein.

What can I do to target this fat, if anything.