Fat gained vs. fat lost

Does fat depletion work in the reverse order that it appeared? In other words, if my belly was fat and then my neck area became fat and I started to diet and exercise, would the fat go away from the neck area before it started to deplete from the belly area?

I swing wildly between a Hippo-style and svelte swimmer body.

My experience is that “saddle bags” precede the belly growing bigger itself (of course a little belly is first).

With exercise and diet, the saddlebags disappear before the belly.

I saw a lady selling protein shakes on TV saying that was due to the fact that belly fat was more “stored” (or some crap) than the fat in the love handles. I don’t claim that is why – but my personal experience is that my body performs as if it is true.

I would suppose that is the answer: that it depends on your body type, the exercise you do, the food you diet with, and how you gained the weight in the first place.