>>112304This is simply wrong. Biologically, when you gain weight the fat cells grow in the abdominal cavity first (visceral fat) and then distributes to the rest of the body. This is why very rapid weight gain tends to lead to the "beer belly" look. When you lose weight, the first fat that is burned is also visceral fat.
Genetics does have a factor, but genetics only provides the "playing field" and hormones/lifestyle determines where exactly the ball will land, as an analogy. So if a woman gains weight very slowly over time, or gains, loses, and gains again in succession, she will trend towards more subcutaneous fat and less visceral fat. This means more fat will end up in the hips, ass, arms, face and lower belly, and less will end up in the gut.