I would join a gym that has a pool within 5km from where you live and ride your bike to and from your work out for your warm up and cool down. Like your money diversify your work out's and your body will pay you dividends that can be reinvested into your life. I love to bike, swim and run and along with weight workouts this rotation seems to keep me interested and progressing towards my goals! Good Luck and Good Health in 2009!
