Menopause belly fat, please help?

at the end of 50 ive noticed belly fat that wont go away with exercise or cardo this happens for women entering menopause i need serious help,because im very fit and have worked out for 20ys and have a great body, now i feel all my hard work has failed,nothing is working, im trying to do more running that seems to be working a little, i dont know this is sad for me as i have worked out all my life i dont know what to do anymore i cant even where pants,and i wont where band pants ,ill kill my self first, anyone know anything ??can a women still have a flat stomach at 50? tell me what to do i dont have money for sergery