A fat, ugly, and old white guy who can't stop downing the big macs and weighs a hundred pounds, which makes his skin look all saggy. So it looks like cottage cheese.
Example 1:
Guy one: Ew look at that fat guy downing big macs!
Guy two: He's got some major cottage cheese.
Example two
Guy one: OMG! that fat ugly white guy in the speedo has some major cottage cheese!
Guy one: That fat ugly
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