I had a lot of excess skin below my belly button as well as a droppy belly button because of skin and fat in my higher abdominal area.
I considered a tummy tuck, which was the BEST decision I have ever made. I am 3 months post op, and couldn't be happier. My waist is so much slimmer and I now wear a size 25 pant. APart from the strange nerve feelings, I look great. I have a very flat tummy and look amazing.
I wish I had done this years ago. I am now 42 year old, and never looked as good.