Thigh fat...ewww!

You might just be built that way. I am.
My upper thighs rub together, and like you, I work hard 5 days a week. I have very slim hips, so everything below them is kind of "mashed together". :)

I just rarely wear skirts. Which sucks. But pants or shorts to prevent skin on skin rubbing is the only thing I do.

Try leg work with weights. That's about as much as you can do. Lunges, squats, plie squats (specifically!), dead lifts, etc...

I used to not wear shorts because my thighs wold rub together and it was sooo uncomfortable. Especially if we were out on the boat... you'd see me slapping baby powder between my legs to ease the discomfort. I wore skirts or dresses for like 3 years because of this! I like what Sue said about vaseline, I could see that helping (wish I had thought of it!) Keep doing what you're doing... I personally think women with thighs that don't touch and have pencil thin legs are the opposite of feminine (no offense ladies! I'm not gay, but I love curves, LOL!) My legs have gotten too thin... I swear, I work out, and every curve I want to keep goes away and the chunk stays where I don't want it!!

The exercises you are currently doing build bulky muscles. Try switching to longer walks (rather than running) and adding in some yoga or pilates. Both yoga and pilates help you tone your muscles and build longer and leaner muscle mass than "high impact" cardio. I run 4 nights a week and do yoga at least 3 nights and have seen a real difference.

You don't have to spend $$ on classes either. Many cable companies have free exercise videos "on demand". The classes are a blast, but can be very pricey. Try the free versions first and then sign-up if you like it!

After being an avid and competitive runner for years, you would think I wouldn't have this issue, but I do! So you're doing nothing wrong. What has started working recently is adding squat jumps into my morning calesthetics routine. I squat as far down as I can, then jump up in the air as high as I can. I do about 100 at a time. I'll tell you, when I'm done, I'm breathing hard and my thighs and butt burn! Recently, I've started seeing a little less rubbing and a little less jiggling. Hope that helps!

I know runners who put Vaseline on their thighs to cut down on the friction. Have you tried that? It's a short term fix, I know, but you don't want to hurt while you are doing so well at working out.

I have a good solution for wearing dresses and chafing. I get a style of half slip that is divided (Kohl's has them I think), like pants. they keep the thighs from rubbing together and chafing. Other than that, I need to lose weight and exercise!

Your doing a lot of cardio, do you ever alternate with weights? There are weight benches at the gym that target your thighs. I have learned too much cardio can get you no where. Try alternating with weights.

I have the same build, I hate it! I have found the only way to get rid of it is to lose weight all over, which always results in my upper body being too bony. I guess I am stuck with it unless I decide to suck it out! LOL

Ok I can't say this enough. sorry but you cannot choose the specific spot on your body to lose weight. I have taught many group exercise classes and Taken semninars and one of the questions people always ask how can I lose weight in "blablah" and the answer by professionals always is you can't!
For now the vaseline will be very helpful..to keep the chafing down. Can you take your running and bike riding up a notch to help you lose a little more weight? I would suggest adding weight training...
I used to only do cardio and yoga and never saw a change in my thighs, the thing that did change the shape of my thighs was weight training- lunges and squats. I didn't think i needed to lose weight and when i started to weight train at the gym i belonged to they ran a promotion- they measured your body fat if you took this weight training class consistently for 6 weeks they did it again (let me tell u the class was hard i was SORE!) But i lost 6 % body fat and 2 inches all over & 5lbs....be careful though you have to do lunges and squats wil very good form! or you will hurt your knees!
Finally I want to address what one of the other posters said about bike riding and running as building up your thighs to make them bigger- that is a misconception.. Especially in your inner thigh area- running and biking are only gonna help you combat the inner thigh rub! It most def will not cause it or make it worse!
I love christine F's advice squat jumps- jilliam Michael's one of the biggest loser's trainers has some great books and DVD's out there on excercise!

I know a lot of those fitness infomercials say that you can target a certain area of your body with their <insert name of fitness gadget here>, but you really can't target a specific area. You can build the muscles of a specific area, but if the area is covered by fat, then you will not see the muscle gain. You are off to a great start and you will reach your goals by remaining consistent and being persistent. It takes a lot of time to drop fat and tone muscle. In fact, it takes 8-12 weeks just to build new muscle. With a little patience, you will see the desired changes not just in weight loss but in the shape of your body.

I highly recommend circuit/interval training like boot camps. This type of fitness training burns a lot of calories in a short period of training and it includes cardio + weight training. Building muscle is the key...the more you have, the more calories you burn while at rest. Squat jumps are awesome but be careful if you have bad knees as this exercise places a lot of impact on the knees. Your best bet is the squat with your legs shoulder width apart and feet point outward. Place an exercise ball behind your back against a wall for added support. Google, "wall squat" or squat to target inner thigh and you will see tons of videos demonstrating the proper form. Also, don't forget to throw in some lunges...they are wonderful leg toners.

Good luck! You can do this :-)

I have always exercised but was not able to lose the hip and thigh weight until I stopped eating so many desserts and chips. I would allow myself one dessert and one unhealthy snack a week (so I wouldn't go crazy) and then the hips and thighs finally toned up. I had an extra incentive as was the mother-of-the-bride. I hope you have good luck as well.

You can't target one area of the body to tone.....sorry.
But you can lose a lot of excess stored tissue by eliminating some things from your diet. Get rid of white bread, high fructose corn syrup and as much sugar as possible. Drink lots of water and reduce soda intake (even diet)! Keep exercising and you will see a difference in a couple weeks!!!
For me the problem area is the excess on the back of my arms. I do a lot of yoga and weights and still had the flabby, rippled skin. A dietician told me about the substituting of whole grain bread products and more veggies for the things mentioned above. It does work. And recently, I got a little lazy on the sugar and the arm flab is coming back. So I have to go back to the best eating possible!

What really worked for me was to lean up against a pole or maybe the wall w/an exercise ball behind me (for the wall method) & do squats, hard fast squats. Use the pressure of leaning against something or holding onto something to help you 'push' yourself up after squatting down. Kinda hard to explain but I used a round pole like what you'd have on the front porch (holding up the roof) or maybe a post (metal kind...no splinters!) or even a stationary railing & placed my hands behind me holding onto the post or pole or railing & 'helped' myself raise back up after squatting & eventually I got to where I was able to do one legged squats by doing that way. It also toned up my arms! In 2 weeks, I NEVER had thighs that looked as good as this exercise did! Also if you do this to fast paced music w/a good beat, that helps to 'keep time' doing the squats. I don't know why this method worked better than conventional squats but it DID! The trick to squats is literally using your thigh muscles to push yourself up each time...that is what tones the thighs. Try doing this & either spreading or closing in your feet to tone different areas. I'm in the same boat you're in & honestly, this IS the only thing that has literally toned my thighs! I think the pole method works better b/c I can lean against it as I push myself up & that helps the front of the thighs too. Only use a good, sturdy, stationary post or pole though to avoid falling backwards should it 'give way'. If you still just can't get that stubborn fat to leave...you may just hafta resort to lipo-sculpture. It's less invasive than regular lipo & they don't hafta put you to sleep to do it, they just numb the area & suck the fat out. Hope this helps, good luck!!