Want abbs and pecs?

If your whole body is proportionately fat as your man boobs it is probably a fat issue then you have to exercise, but if it is not it is probably Gynecomastia, which is a common condition for some guys, Nothing to worry (But Before coming in to a conclusion that it is Gynecomastia please see a doctor and remove your doubts)

The best treatment for Gynecomastia is surgery, My friends has done it, He became a very confident Guy from a very depressed one after the surgery. If you need more money to do the surgery start saving from today or borrow and pay installments or tell your parents how depressed you are and get some money, But do the surgery

So don't go through the mental pain again and again, find a solution to the problem even if it may take some time

Best of Luck!

PS: Please see this search link to know the difference

https://www.google.ae/search?q=man+boobs+before+an...

it takes time, don't be hard on yourself, just continue working out, it will happen. good luck