<prompt> Human: I want to join a gym. I do not have all of the fancy equipment some gyms have and I feel it is a better investment in the long run. However, I dont have much expendable income. Im still saving, but the 20mo I will spend for a gym membership is 20mo I am taking out of my saving input. Is this a wise idea? I just fear that if I dont take care of my body then it will cost a lot more in the end.Edit: I guess I should give some more information.Living in Florida, going to school full time, and I have a new job working ten hours each day sitting behind a computer. I also live in a bad area of town. The only way I can endure running outside is if I do so at night, which will eat away from my precious sleep and give me the heebie jeebies. Plus the humidity is no bueno. I live in a small apartment as well. I cannot fit all of the fancy gym equipment where I live. Also, the upfront cost of purchasing gym equipment yes, even used equipment is too much for me all at once. I am not quite financially stable for a big up front cost. In my old job, I walked over seven miles during my shifts and walked to work. Now that I have a new stationary occupation, I am starting to gain a lot of weight. This weight gain is killing my self image and, quite frankly, bumming me out every day. 20month is a lot from my savings i save roughly 200mo. Rent, car, gas, groceries, and girlfriend who has noticed the imminent pudgening really take a toll. However, I am still saving some even if I get the membership, I have my rainy day fund, and I want to spend a little bit of money on bettering my health and self image. I am terrified of becoming overweight. I feel that once I do then I will lack any motivation to lose it. I already dont have very much motivation. Luckily, this membership comes with a personal trainer, who will help motivate me. Even if I didnt have a savings, I would say this is important for my health, mind, and future being.  <response>: If you have a local Parks Dept., check if they run any rec centers with a small gym. If they do, it should have very affordable membership rates. For example, the cheapest gyms in NYC are the Parks Dept. Rec Centers a 6-month membership will cost you just 50, or 8.33 a month amortized. 