Get a personal trainer. Nothing moves you to push yourself like a trainer. Once you have one, you'll know what I'm talking about. It's a solid investment. Fuck, any investment on your body is solid. If you wanted to get lipo or any cosmetic surgery - go for it. Banks can't take that shit away in this recession now can they!
But none of it matters if you don't change your lifestyle. I see dudes who loose 30lbs only to gain it back due to stressssssss.