Alright, I am officially old and slow: what do you mean by "muffin top"?
Haha. Muffin top is the gooshy fat on an overweight woman's hips/waist that hangs over the sides of her jeans. The term only really applies to chicks, as guy don't wear hip-hugging jeans.
I guess, techincally, guys can have muffin top, too, though. But you wouldn't call it that; you'd just say, "Wow, that guy's fat."