Steve,
I would replace the bacon with healthier fats (monos or omega-3's) if you're trying to lose the gut. Also, get used to having protein with every meal. E.g., have a chicken breast with your peanuts at 2, and some source of meat with your salad. Also, some fish oil caps would be a good idea with the tuna.
Protein bars can be tricky, because most of them are loaded with sugar, or sugar alcohols, neither of which is conducive to fat loss.
About the ZMA, go ahead and eat your cottage cheese before bed, and have a big glass of water, so that you'll wake up in 3 hours for the bathroom, and then you can take the ZMA.
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