re: 100 days until I turn 40 and 20lbs overweight

eat better, quit drinking beer and exercise? Cut down on red meat especially things like rib-eye that are high in fat. Eat a lot more vegetables and fruit. Don't do a gimmick diet where you don't eat any carbs or only have shakes all day. You'll just put the weight right back on when you start eating normal food again.

if you want an intense canned workout program that will help you drop weight and get in shape do P90X or Insanity. Watch your form and don't hurt yourself.