I have been fat a few times in my life. They were all during periods of laziness. I was eating whatever junk I wanted, and not exercising. I did get really heavy in my mid thirties, and then lost 75 pounds. Then I hurt my back and had limited movement or a long time. I gave up and got fat again. It didn't seem like it happened any easier or faster as I got older.

I did lose significant fat once I started TRT though, so I am sure my low test levels did contribute to the issue.