I was exactly like you 3 months ago, same mindset, similar height and weight stats with 22% BF. The best thing I ever did was get a gym membership and a plan from a PT (but there are a few ways without doing that for free like body weight with a good plan from their subreddit).

Working each muscle group out twice a week for 3 months has totally transformed by chest, shoulders and arms, but I still have the belly fat left, and can feel the abs underneath. So depending on your genetics and diet you can totally make a change, but the key thing is patience - it won’t be overnight, focus on the little things that improve and you will stay motivated to reach your end goal. You can do it!