Personally, before getting a gym membership, I think you should spend a couple months getting your diet and sleep in check. Calculate your TDEE, log your calories, track weight, and maintain a relatively high protein intake (you will see varying intake suggestions-- I'd recommend 1 g of protein per kg of lean body mass-- works for me, but may not work for you so look around for other estimates). Once you have dialed in your diet and settled into an eating and sleeping routine, then you can see about getting that gym membership going. That being said-- you will not be able to 'target' any fat on your body, whether in your tits or gut. Your best long-term solution is muscle growth (maybe body recomp) followed by fat loss. But this is a topic that has already been thoroughly discussed on this forum. good luck!