• I'm presuming she already owns those and talking about the ongoing costs (monthly subscription fees for use of gyms/pools etc).

    If you're going to get picky, why not include clothes, food and taxes to pay for upkeep of roads?

    Don't forget to factor in the cost of internet & electricity, and then put a price on time spent asking for and reading advice....

    Less gym or swim, more running means getting through trainers quicker so increased cost. This'd impact on the 'value' being discussed.

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