Also look into Tivity Health’s nationwide network of gyms. It’s ~$30/mo if you get it through Blue Cross insurance. There is also something similar sold through Costco, although they had no locations local to me. Ultimately, I would decide based on the quality of the local gyms offered.
If you’re a USAA member you can enroll in Active & Fit Direct for $25 a month to use any of thousands of gyms (Lifetime Fitness is not included but Planet and LA Fitness and many others are). You can change gyms anytime. Most gyms offer a one day free pass to try it out.
Thank you for this. It’s ~$5/month cheaper than Tivity and has the same locations more or less. Plus, access to usaa is forever but health insurance plans come and go. Tivity is awfully weak in expensive urban areas as well. I’m not going down to Daly City when in SF to workout.
One thing that may work - Check other geographic areas. I started looking at gyms a few years ago … for the first time since college. Although Silver Sneakers was an option, I wanted to check out everything that was available. A very nice Lifetime near me was recommended, but their rates seemed high. A Lifetime in a southern suburb (in SC) had much lower rates. Even their reciprocity rates were lower than the base rate in Charlotte. I ended up going for a much cheaper gym ($10/mo), but I don’t need hydro-massage, spin-in, spin-out, or spin-the-hokey-pokey and other features.
If you’re looking for a better ROI, maybe check out properties with some acreage. Give each kid an acre, half-acre, etc. Ask them to develop it, farm it, make it pay for itself, or anything you want. This will not only be a wonderful, educational exercise for your kids, but will also allow/force you to spend QUALITY time with your kids. One of the the side benefits is that none of you will need a gym, Jovi classes, or Slimfast spinners. One other side benefit is the value of the land will probably increase - if not from the improvements of your family, then from time.
Please don’t take the above alternative as a slight, because that’s not the intention. Looking back, one of my few semi-regrets in life is devoting so much time to financial security/independence while my kids were growing up. It’s wonderful now, and I can spend unlimited time with my adult kids, grandkids and almost great-grandkid, but it’s not the same. I’m very fortunate that my wife did an amazing job with our kids, and they’re self-sufficient, but still …
ETA: I’ve been told that once becoming a nonagenarian, you won’t need a gym, because in addition to your regular work, you’ll get most of your exercise shaking your head in disbelief.
On a similar note, if you travel and like museums, a lot of them have reciprocal admission for members, and the play is to use your cheap hometown one to gain access to more expensive big city ones. It’s also tax-deductible too.