Abstract: A garment for treating white and brown fat areas on a human body employs a wearable garment with pockets for holding cooling inserts in positions to cool fat of a wearer. The pockets are configured at predetermined locations on a wearable garment adjacent to areas of the body having white adipose tissue (fatty deposits) to be treated by cooling. The pockets receive cooling inserts that stimulate brown adipose tissue to consume the fatty deposits. Preferably, the wearable garment is a high-waisted pair of shorts made with elastic material. The pockets are preferably located on the thighs, buttocks, stomach, hips, waist and lower back of a wearer, where fat is often a problem.