Is a tummy tuck needed for me?

After having two kids, my belly seems like jello and my lower belly hangs. Is a tummy tuck needed or are there exercises to help me get rid of all of this fat? I weigh 163 at the moment and I need to be in my 120s, 130s. Tell me what I need to do please.I want to be fit and in shape. Now I am planning to do a tummy tuck surgery at Mclean clinic. If a tummy tuck is needed, how much does it cost?