It's a bit late in the year up here for this post, but beach wear is basically underwear. It exposes a person's condition.
We've pointed out that it would take about 2-3 hours moving speedily on a treadmill, elliptical, or stair machine to burn the calories in your breakfast bagel. But it doesn't work like that.
Our bodies preferentially burn glycogen (stored sugar, from carbs) for exertion. It takes over 40 minutes of higher intensity (eg running and the like) exertion to begin meaningful fat-burning.
It's true than a daily hour of some exercise (other than walking or slow pool laps) ups your metabolism for a while, but it's not really significant.
It's a downer for people, but the truth is that exercise is about fitness, while fat loss is nutritional unless you have 3 hrs.day to work out hard (probably not a good idea for people over age 35).
The reason doctors and everybody else talks about nutrition and exercise for fat loss is sort-of to fool people into getting moving and less sedentary because sedentary, regardless of body fat, isn't healthy. In fact, it correlates highly with early cardiac morbidity regardless of body fat %.
Sedentary can be defined, roughly, as less than an hour/day of sweat-producing exertion. Let's face reality: other than walks, most Western people prefer a sedentary, no-heavy-lifting comfortable life, and most do not wish to feel deprived of their appetites in these places where delicious things are in abundance. I get that, to each his/her own. We all have people we care about, though, who we'd like to stick around for a while.
With proper nutrition, anybody can lose 8-12 lbs/month easily, with or without exercise. In fact, with difficult exercise (ie heavy weights) it can be a bit harder to lose weight due to the nutritional requirements for muscle repair.
The youth have it easy. It can be difficult for the young (under 30 or 35) to gain weight even if they want to. To gain good athletic weight, the youth have to eat big and work out hard with weights.