A person (typically a girl) with a thin frame, who has a fat stomach / upper body. A skinny-fat person occurs as the result of bad genetics, poor eating/drinking habits, and complete avoidance of the gym.
A: "So, that girl you hooked up with last night was pretty hot"
B: "Well, she looked good at the bar, but when I got her clothes off, she was totally skinny-fat."
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