I guess it depends on your height, right? I'm not tall so 36" on me is very much on the chunky size. My goal is to get back down to 32" which is what I was in until my mid-20s, but to do that I suspect I'm going to need to exercise more (rather than just eat less) to get rid of the harder to shift rolls.
Weight loss is probably 80/85% diet. If you eat well, keep it clean and stay away from sugars and processed crap then you'll lose weight just by being active. But you can train hard and almost every day but won't lose if you still eat crap
