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A regular personal trainer at a top gym is $12k/year. That’s not that much. It’s approx $23k pre-tax which isn’t a game changer tbh.

You do realize that for an average American that’s half of their annual income?

But we aren’t average are we, Bruce?

That doesn't work for most people, so they put money on the line.

This argument is a bit self defeating. You can easily replace the information a personal trainer gives with a standard training program and YouTube videos that show proper exercise form. You cannot easily replace its willpower function with a book.