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Where and how to carry depends on if you are right or left handed
Depends on your body structure
Depends on what holster

As a start, I will assume right handed to give you a start

1 - get a good gun belt - You may "think" you have a good belt that will be strong and sturdy enough for a gun, unless it is a gun belt, it will sag, or lean out away from the body -
Get a cheap one to start, if you want to prove this theory - I picked up a couple of Blackhawk Belts last year and do not regret it one bit!
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2 - get a good holster
I use a Crossbreed Supertuck with horsehide (spend the extra $10 on the horsehide, you will not regret it in the summer sweaty months!)

3 - dress around the gun
If you are normally an XL shirt and 36" waist, you should try XXL shirts and 38" waist for comfort.
You may be able to wear the XL shirt and 36" waist, but the only way to know, is to try.
The biggest issue you will have is the length of the shirt, when you reach up, or lean over, will the shirt rise above the gun?

I carry about 4:30 now, but when I started, I was about about 3:30

With my Crossbreed Holster and Blackhawk belt, I can carry tucked with a golf shirt, but I will normally wear it with just an Under Armor T-shirt over the top.