Do any of you find it harder to lose weight?

I use to have a hard time gaining weight. Now it seems like I have a hard time losing it. Just wondering if others have this same problem.
Is this an indicator of anything?

lower t (or sensitivity to androgens) = less muscle
less muscle = less ability to burn fat

Since Ive been off Fin my weight overall is down like 10pds. But, Ive prolly lost 20 in muscle and gained 10 in fat in my midsection.

YES