Let me rephrase the question.. My chest is muscular but there's fat around my nipples. why???

Answer 1

You may have gynecomastia (male breasts) but only a doctor can tell you for sure. You don't mention your age but if you are a teen and still growing, this issue usually goes away on its own once puberty has passes..it is due to your hormones. Exercise will not improve this condition!

However, if you are past puberty and it really bothers you, you might want to make an appointment with your doctor to find out if it really is gynecomastia and to be treated.