The Geezer’s exercise theory is that if you pay money for a gym you are more likely to actually go there. But you don’t have to pay the going rate.
A good number of local gyms offer financial incentives to seniors.
Club One cuts monthly dues to $88 for seniors.
Seniors get no special rates at Equinox, the Bay Club or 24-hour Fitness. YMCA senior discounts appear to vary by location.
The idea that gym memberships can be deducted as a health expense is an urban myth.The IRS is unlikely to see it your way even if you happen to get a recommendation from your doctor to exercise or die.
Finally you can save money on gyms by not going to one and concocting your own exercise regimen. Walk up Hyde Street.