Tummy Tuck For 36 Year Old Mother of Two - Bay Area, CA

I am a 36 year old mother of 2 children, 11 and 6 year olds. I blame what my 6 year old calls"the blob" on the fact that I worked in SF during my first pregnancy and there was a deli and taqueria right across the street. Too many salami sandwhiches and carnitas burritos accompanied with an almost 10 pounder boy and c-section gave me what one doctor called during a routine physical a few years ago "souvenirs." She was referring to my many stretch marks, extra skin and very flabby tummy. I've always wanted a tummy tuck but always felt it was beyond reach. Whenever i mentioned it to family or friends theyd always say "Why?"
i have always been somewhat fit. I go to the gym 5-6 days a week. I like to hike. Our family snowboards in the winter. I am 5 feet one inch and weigh 114 pounds so I am pettite. But i gave up many years ago on my abs. Nothing i would do could eliminate the extra skin. They say its 70% diet and 30% exercise or whatever the ratio is. My diet is definitely not perfect. But there were times when i was strict and cut out the "bad" carbs and ate for the most part, healthy. I still couldnt get rid of that "blob." What really did it for me was our family trip to Mexico this past summer. I thought to myself this is such an amazing vacation and I am so blessed. Kids are having a blast and this place is beautiful..gorgeous beaches etc...but WHY do I keep hiding behind my kids when its picture time??? This is so unfair. I work out religiously, I kick ass as a floor nurse and I work hard at home and at work. Why am I so ashamed of my tummy? I used to call them " battle scars." Maybe it would make me feel better. I did go thru the "guilty mom" phase but as I read posts on here I realize how true it is that we shouldn't feel guilty.