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welcome to the Clark Howard show you know our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. So it's mid-February. And so many people who made New Year's resolutions to hit the gym are now driving a different route just so they're not

reminded of that gym they joined. I got some key advice for you about that, about joining a gym.

And also, you know, I wear three fitness and health trackers. Are they doing bad

stuff to me or about me? I want to talk about that. And later, I routinely pick on Big Bad Zell,

but they're not the only bad boy payment app in town. In fact, you got to know

why payment apps by their very nature can be playing with kryptonite. But right now I want to talk

about the gym thing. So we got all these people who did the New Year's resolution stuff about six weeks ago.

And, you know, the gym rats don't like the New Year's resolution crowd

because they fill up all the parking spaces and they got to wait for their favorite machines

in the gym and all that.

And then, man, something starts happening by now because it's about six weeks in

after the New Year's Resolution crowd joins that they kind of vanish.

It's hard to start new habits.

But a lot of those folks who signed up last month from that barrage of advertising on social media and on websites and on television and all that,

a lot of those people sign long-term contracts with gyms.

And this is a terrible idea, not just for a New Year's resolution person, but for anyone,

because you never know what happens in your life and never prepay for a long period of

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