The Ys in our Region offer financial assistance; it is their mission that everyone in the community has access to wellness facilities. Also a reduced senior membership and will hire part-timers to help them pay for their % . You like kids...an after-school program?...That will give you exercise!
We have miles and miles of great greenway/biking trails...but getting TO them on roads is taking your life in your hands. Need to have a good bike rack too.