The most important reasons to lose weight are centered on your health? Obesity is the second leading cause of death after smoking. It is associated with an increased mortality rate of all ages including children.
Obesity and overweight are term often used interchangeably. However, technically they refer to two different states.
Being overweight technically means excess body mass. This includes all the body tissues. Obesity on the other hand refers explicitly to excess body fat e.g. a professional heavy weight body builder is overweight because of excess muscles but is not obese.
Obesity is what should concern you. You cannot afford to procrastinate on your decision to lose weight, and probably a good health scare is in order.