Today, I have that problem. Not as bad as it could be - it could be worse. But I have that problem, and it's what I like the least about me when I catch sight of my reflection. More than anything, I think it changes the look of me. With fat round my neck like that, I don't feel like a person, I feel like a fat blob. Like a slug or something.
That's why when I took a photo today for my profile on here, I automatically did my trick of holding the camera high up and looking up to it - so that my chin fat doesn't show. Here it is:
I don't look very happy do I? Must have been thinking "OMG will my chin flab show, will my chin flab show?" It's actually quite a clever photography trick (which I cottoned on to when I was once getting a studio portrait done) as the pic doesn't show the extent to which your'e looking up - but my hand with the camera was high in the air here. You can't live your life looking upwards though, or only associate with tall people who are looking down at you (actually, there's a thought ...!)
No, I'm not pressing my chin into my neck, I always look like that.