Originally Posted by thebankman
I have to lose more of this gut to start competing in local races, which is my biking goal. Eventually entering the TdF will be my end-all fitness goal but that will take time.
That's certainly an ambitious goal, best of luck in your racing. Since you're in the Bay Area, if you're already not a member of a racing club, you should join ASAP. My recommendation would be
Webcor/Alto Velo, since I'm a member there. Come to one of the monthly meeting and ask about the junior program (I'm assuming you're a junior). If Mountain View/Palo Alto is too far for you, there are many other clubs in the area that might be closer to you.
Don't wait until you lose the gut when you could be training to race and learning necessary skills.