re: PuttaDaForkDown

First thing you need to do is decide if you really want to make a change. If so then staying consistent and fixing your diet will fix your belly/chest problems. Diet, IMO, is 75% of the trouble. Gym and exercise is 25%.
Start by being aware of what you're eating. Cleaning up your diet will net the most results. Also start by going to the gym 3 times a week. Or not even the gym. Go run or walk for half an hour 3 times a week. Then go to the gym 3 times a week.
There is always time. You just have to make it. In my case, unless I go at 4 AM, I almost can't go. So I wake up early and get the job done.
Report here everyday. Hold yourself accountable. Have others hold you accountable. It's tough at first, but once you start seeing results, you'll only want more.