My fiancé has love handles. Everyone in his family has them (even his brother, who used to be a personal trainer and is still super buff has them). His cousin has to have lipo once a year to get rid of them, even though she herself has a six pack and is toned everywhere else. Some people just have bad luck like that.  However, bad luck is no excuse to get fat like that. We all have issues we'll just have to deal with, but giving up is the last thing we ought to do to ourselves.