Well, lactate is usually only produced after glycolysis for lactic acid fermentation in the abscence of oxygen (if your body is using oxygen too rapidly or if you are a yeast cell). Yes, some ATP is produced during glycolysis, but it is mostly just to convert one molecule of glucose to 2 molecules of pyruvate (producing some ATP and NADH along the way). After glycolysis, the pyruvate is then pumped into the Kreb's cycle, then to the Electron Transport Chain (which is aerobic, not anaerobic), where most of your ATP is produced.