Problem areas are my lower back, and my gut.
Personally I like SLDL (straight leg deadlifts) for the hamstrings and lower back. You can also try some hyperextensions with light weight and work up to strengthen that area.
Your gut.. like CPL said. Cardio. For men, our weight accumulates in the midsection. Your body just stores it there. Not all of it but the vast majority. So how to get rid of it? Diet, cardio and potentially supplementation.
I' d write you a book for a response but I' ve just gotten back from a 10 mile round-trip 2 night backpacking trip. I highly suggest that trip for a 2 day cardio, fat loss, leg workout. Luckily my hands can still type but my brain is having trouble functioning. Could be the wine as well...
Since you seem like you obviously know the gym routine well and you have the necessary discipline to diet and workout hard, I' d try the MAX-OT routine as CPL suggested.
Why? Because it sounds like you want to get back to the gym but are very much a family guy. Which is great. This particular routine is short, hardcore, and intense. You won' t be in the gym hours on end. You will go in, get the job done, and leave. Giving you more time for the family. And your body just might respond a whole better. Less risk of over-training.
The ab muscles themselves are hard, just got a nice layer between them and the skin.
So you' ve got the muscle. You just need to lose the fat. And that 99% of us.. is diet. You probably won' t get that 6-pack unless you get a real straight diet. I' m not even there yet. But it' s possible and you sound like you could do it.
Summary: Take CPL' s suggestion of the MAX-OT routine. Give it a shot. There' s a post in the Training forum on the complete routine that you can download and print.
Then diet.
Start a journal in the Online Training Journal section and start tracking what you eat.. there' s some prime examples in that forum to give you an idea of what a journal is all about. A couple of our moderators are really great at nutritional advice and guidelines. It' s also a great way to track and document your short and long-term goals.
It' s a damn disgrace and it' s my own fault.
You served in the USMC. If it wasn' t for guys like you helping to preserve our Freedom regardless of political opinions, I might not be in this country just typing away with my free thought. Thank you.