I think having a trainer makes you more disciplined, but doing it on your own gives you the freedom to set the pace. In the end, I suppose it's just what you're comfortable with. When I had a trainer back in high school (I was in sports and while not thin, much thinner than I am now, and much more muscular), I enjoyed it, but if I had to pay for it on my own, I don't know if it would have been worth it to me.
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